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Introduction

After speaking with 100+ fintech teams, one thing became clear: they want to build with stablecoins, but most don’t know where to start and feel overwhelmed by crypto’s complexity. That’s why we’re launching Stablecoin Accounts—the fastest way to bring a global money app to market.

Whether you’re building an onchain neobank, trading platform, or remittance app, Stablecoin Accounts give you the tools to launch without stitching together multiple vendors. Built for security and speed, Stablecoin Accounts use MPC wallets and SOC 2 Type II compliant infrastructure to keep digital dollars safe while moving at the speed your users expect.

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Why Stablecoin Accounts?

The demand for programmable money is rising, but the infrastructure hasn’t caught up. Teams are held back by fragmented vendors, compliance headaches, and limited developer tools. Stablecoin Accounts abstract away this complexity, letting you focus on what matters: building products your users need.

The opportunity has never been clearer: monthly mobile wallet users are up 23% year-over-year, and stablecoin volume has surged 49%, reaching over $700B in monthly transactions. With sub-second settlement and near-zero fees, stablecoins are becoming the go-to rails for modern payments.

Who is this for?

  • Payment infrastructure providers
  • Trading apps
  • Neobanks
  • Payroll/contractor platforms
  • Remittance apps

What you get:

  • Launch wallet-based experiences in minutes
  • Enable global payments from day one
  • Support the stablecoins your users actually use
  • Handle on-ramps and off-ramps without the overhead
  • Offer secure and flexible recovery with sub-second signing using TSS-MPC
  • Integrate seamlessly with external financial partners
  • Build with prebuilt components or headless APIs

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Core Features

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Wallet Generation with OAuth, Email, and SMS

We provide TSS-MPC embedded wallets that can be created using OAuth, email, and SMS. These are secure, non-custodial wallets that can be used to send and receive stablecoins. This helps you build a consumer app where users won’t even know they’re using a wallet.

We currently support embedded wallets for all EVM chains, Solana, and SUI. Our infrastructure is built to handle scale and has powered high-growth launches across multiple verticals.

You can configure the OAuth providers and the email and SMS providers in your dashboard—it’s as simple as adding a <DynamicWidget /> to your app.

import { DynamicWidget } from "@dynamic-labs/sdk-react";

function App() {
  return <DynamicWidget />;
}

To learn more about how to use and customize the DynamicWidget, check out the docs. Alternatively, we also allow the flexibility to use our SDK headlessly—learn more about this here.

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Transferring Stablecoins Between Wallets

Stablecoins can easily be transferred from one wallet to another, either via the DynamicWidget itself or by using any web3 library such as wagmi, ethers, viem, etc.

If you want to send transactions on EVM using viem, check out this example.

For other chains, see our guides for Solana and SUI.

To take this a step further, you can associate a wallet with a user’s email address or phone number, so users can transfer stablecoins to other users without having to know their wallet address. You can take a look at a similar implementation here.

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On-Ramp and Off-Ramp Services

We provide native support for on-ramp services such as Banxa, and Coinbase, which allows your users to buy stablecoins with fiat currency.

It’s as simple as going to the dashboard and enabling the on-ramp service you want to use.

We also allow you to bring your own on-ramp service. To learn more about how to do this, check out this guide.

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Secure Account Recovery with TSS-MPC

All Stablecoin Accounts support seamless recovery using TSS-MPC (Threshold Signature Scheme Multi-Party Computation). In a standard 2-of-2 setup, one key share is stored on the user’s device and one is encrypted by Dynamic. When logging in on a new device, recovery happens automatically without user friction.

Optional features like passcode protection and cloud backups upgrade the wallet to a 2-of-3 setup, enabling flexible recovery paths and full key export without relying on Dynamic. This provides multiple recovery options while maintaining security and user control.

To learn more about TSS-MPC, check out this guide.

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Integration with External Financial Partners

We have an extensive list of trusted financial partners that make building stablecoin apps easier and can be easily integrated with Dynamic. While Dynamic doesn’t issue fiat or virtual accounts directly, we make it easy to connect with third-party providers for seamless integration between your crypto product and the fiat systems your users rely on.

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Global Payment Support

Stablecoin Accounts are built to support teams with users across different countries and regions. Whether your users are in LATAM, Europe, Asia, the U.S., or across multiple regions, we’ve got you covered. This helps you stay compliant, localize onboarding, and integrate with fiat partners wherever your users are.

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Get Started

The world deserves better money apps. Go from idea to launch in days, not months.

Ready to build?
Dynamic Stablecoin Accounts let you focus on your product, not the plumbing. Ship global, secure, and compliant money apps—fast.