Spend, Earn, and Convert with Stablecoin Accounts v2

Stablecoins aren’t just growing in market size, they’re changing how money moves globally. Instead of paying $40 in bank fees and waiting days for an international transfer, someone can send $100 to family abroad instantly for pennies. That’s one reason that monthly stablecoin transaction volume now exceeds $700B, putting it on par with the world’s largest financial networks. Teams that delay adoption risk falling behind as these rails become the default for global payments.

At Dynamic, we believe stablecoins are laying the foundation for the future of payments and global financial products. But for most teams, building with stablecoins still feels complex and fragmented. That’s why earlier this year, we introduced Stablecoin Accounts to give developers a secure, compliant, and simple way to integrate stablecoins.

Due to overwhelming demand, we’re expanding on that feature set. With our v2 release, we are introducing new capabilities that let your users:

• Send money across borders
• Spend stablecoins with cards
• Earn yield on balances
• Swap seamlessly between assets

Below, we break down each feature and share walkthrough videos to help you integrate them directly into your app.

Stablecoin Cards

Holding stablecoins has its benefits, but being able to spend them in the real world is what makes them feel like money. With stablecoin cards, Dynamic enables your users to link their balances to debit cards that work anywhere Visa is accepted.

For fintech teams, this delivers:

• Instant usability and retention
• Fewer off-ramps to outside providers
• Higher engagement directly in your app

For end-users, it means the freedom to pay for groceries, subscriptions, or other everyday purchases without friction. Because we connect with established payments partners, builders can focus on smooth onboarding while we handle settlement, reconciliation, and reporting. Users simply tap, swipe, or enter card details, and the experience just works.

Built-In Yield

One of the biggest challenges for builders is that stablecoin balances often sit idle. Users hold funds, but they do not see them grow, and businesses miss out on opportunities to deepen engagement. In today’s competitive fintech landscape, products that turn idle balances into active balances stand out.

Dynamic embeds yield directly into your app:

• Unlocking new revenue streams for businesses
• Strengthening retention by keeping funds in-app
• Giving users compounding growth automatically

By making yield native to the wallet experience, your product shifts from being a place to store money to a place where money actively works. Watch it live with Aave v3 below:

Cross-Chain Swaps

Stablecoins are fragmented across different assets and blockchains, which creates friction for both users and developers. As adoption spreads across ecosystems, seamless conversion is becoming a baseline expectation.

Dynamic removes that friction with cross-chain swaps:

• Users move between stablecoins and networks in a few clicks
• Developers integrate once with a unified API
• Transactions stay efficient and reliable behind the scenes

The result is a smoother global user experience and a simpler developer workflow. Here’s how it looks with Li.Fi:

Cross-Border Transfers

One of the biggest promises of stablecoins is the ability to send money anywhere in the world instantly, and at a low cost. Remittances, payroll, and global marketplaces are already shifting to stablecoins, and demand is accelerating.

Dynamic enables:

• Near-instant global payments
• Fees that are a fraction of traditional rails
• Reliable on/off-ramps into local currencies

Instead of relying on outdated systems that take days to settle and eat away at earnings, builders can now deliver real-time value transfer. We provide the infrastructure so you can focus on building experiences that are fast, affordable, and global.

Built on the Foundation of Stablecoin Accounts

All of these features are powered by the same foundation that launched with Stablecoin Accounts. This includes MPC-secured wallets, SOC 2 Type II compliance, and regular audits. It also means every product built with Dynamic inherits the same level of reliability and user trust.

Think of the full lifecycle now covered:

• Hold with Stablecoin Accounts
• Send with Cross-Border Transfers
• Spend with Stablecoin Cards
• Grow with Yield
• Convert with Swaps

All the essentials for stablecoin adoption, built into a single, production-ready platform.

Why This Matters

Stablecoins are entering a production era, and the opportunity window for builders is open right now. Your users don’t just want access to stablecoins. They want stablecoins that can pay for real-world goods and generate yield in the background.

By bundling the essential features of stablecoin utility into a single platform, Dynamic makes it possible to ship global money apps that feel complete from day one. Instead of managing multiple vendors and infrastructure layers, you can move faster with a single integration. Stablecoin Accounts v2 is just the beginning; the foundation for a roadmap that will continue to expand what’s possible for global money apps.

The best part? With Stablecoin Accounts you can ship in days, not months. Reach out to our team or get started on your own to see what’s possible.

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FAQs

What are Stablecoin Accounts?
Stablecoin Accounts are Dynamic’s secure, compliant, and simple way for developers to integrate stablecoins into their apps. They provide a foundation for holding, sending, spending, and growing stablecoin balances inside any app or site.

What’s new in Stablecoin Accounts v2?
The v2 release expands Stablecoin Accounts beyond just holding. Developers can now enable cross-border transfers, stablecoin cards for real-world spending, built-in yield, and seamless cross-chain swaps.

Why are stablecoins important right now?
Stablecoin transaction volume has surged past $700B per month, and total market capitalization is nearing $300B. Global institutions are already moving quickly to adopt them. Dynamic’s toolkit helps developers meet that demand and ship stablecoin-powered products faster.

How does Dynamic simplify yield for stablecoins?
Most stablecoin balances sit idle, which limits engagement. Dynamic embeds yield directly in your app, allowing user balances to grow automatically and giving businesses new revenue streams and retention opportunities.

How do cross-chain swaps work with Dynamic?
Instead of forcing users through costly, complex bridges, Dynamic enables seamless swaps between stablecoins and networks in just a few clicks. Developers get a single API that abstracts routing, liquidity, and reliability.

Can stablecoins really be used for everyday spending?
Yes. With stablecoin cards, balances can be linked to debit cards that work anywhere Visa is accepted. Users can pay for groceries, subscriptions, or other everyday purchases without friction.

How do cross-border transfers work?
Dynamic enables users to send and receive stablecoins globally in seconds, with fees that are a fraction of traditional payment rails. Developers can build remittance, payroll, or marketplace apps with local on/off-ramps handled in the background.

What infrastructure does Dynamic provide for security and compliance?
Stablecoin accounts and all of their respective features are built on top of MPC-secured wallets, SOC 2 Type II compliance, and regular audits. Every app built with Dynamic inherits the same level of reliability, security, and trust.