What is a Money Account?
Money Account is the network-wide primitive that gives every participant on Stableyard a universal identity and balance layer. It abstracts chains, tokens, and settlement flows into one unified account. One account. One balance. Works everywhere.What Users See
A single balance, unified across:- All supported chains
- All connected apps
- All payment interfaces (QR, NFC, links, API)
What Stableyard Handles
Behind the scenes, the Money Account manages:| Component | Function |
|---|---|
| Routing | Cross-chain intent execution |
| Conversion | Token swaps and bridging |
| Settlement | Stablecoin or fiat delivery |
| Policy | Spend limits, permissions, automation |
| Privacy | Address minimization and resolution |
Money Account Components
Identity
Human-readable payment handles with privacy-preserving resolution
Vaults
Safe-based programmable vaults with multi-chain support
Routing
Cross-chain deposit detection, swaps, and delivery
Settlement
Settle in stablecoins or fiat via PSP partners
Policy Engine
Spend limits, permissions, automation rules
Gasless UX
Transact without holding native gas tokens
What a Money Account Includes
Every Money Account provides:- Universal Handle — Human-readable name/tag (e.g.,
alice@stableyard) - Cross-Chain Balance — Abstracted stablecoin balance across all chains
- Multi-Address Mapping — Links to addresses on any supported chain
- Payment Compatibility — Works with QR, NFC, links, and APIs
- Programmable Flows — Refunds, settlements, escrow, installments
- Interoperability — Works across all apps built on Stableyard
Who Gets a Money Account
| Participant | Use Case |
|---|---|
| Users | Personal payments, spending, receiving |
| Merchants | Accept payments, settle to preferred currency |
| Developers | Create accounts for app users programmatically |
| PSPs | Integrate stablecoin rails into existing infrastructure |
| Agents | Automated settlement and programmable flows |
The Problem It Solves
Before Money Account
| Actor | Problem |
|---|---|
| Users | Cannot use stablecoins like money; fragmented UX |
| Merchants | New hardware required; no fiat settlement |
| Developers | Integrate each chain separately; no standards |
With Money Account
| Actor | Solution |
|---|---|
| Users | One account works everywhere |
| Merchants | Keep existing hardware; settle in stables or fiat |
| Developers | One API for all chains and tokens |
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.
Next: Learn about Architecture — how the system components work together.