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Money Account

Money Account is a universal, chain-agnostic identity for receiving, storing, and moving stablecoins — abstracting complexity for both users and businesses.

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What Users See

One balance. Unified across apps, wallets, chains, and merchants.

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What Stableyard Handles

  • Routing & conversion
  • Cross-chain execution
  • Programmable flows
  • Settlement (stables or fiat)
  • Policy enforcement

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Core Components

Identity

Human-readable payment address and privacy-preserving resolution

Vaults

Safe-based programmable vaults with multi-chain support

Routing

Cross-chain deposit detection, swaps, and settlement

Policy Engine

Spend limits, permissions, automation, and compliance rules

Privacy & KYC

Address minimization and optional identity verification

Settlement

Settle in stablecoins or fiat via PSP partners

Gasless UX

Transact without holding native gas tokens

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The Problem It Solves

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For Users

  • Cannot use stablecoins like money
  • No QR or tap-to-pay support
  • Fragmented UX across chains
  • Wallets are storage, not payment tools

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For Merchants

  • Current solutions require new hardware
  • No stable-to-fiat settlement
  • Breaks existing workflows
  • Not supported by PSPs

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For Developers

  • Must integrate each chain separately
  • Handle gas, bridging, conversion manually
  • No standard payment primitives

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The Solution

Money Account provides one universal account that works across any chain:
  • Single identity to receive, hold, and send value
  • No managing addresses or gas per network
  • Programmable policies for automation
  • Settlement to stables or fiat

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One-Sentence Value Prop

Money Account is the universal identity for stablecoins — one account to accept payments, run subscriptions, settle to fiat, or tap-to-pay across any chain.