Last updated: September 7, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you, as an authorized representative of a business entity ("Client," "you," or "your"), and Stabled Co. ("Stabled," "we," "our," or "us"). By registering for, accessing, or using the Stabled platform and related services (the "Services"), you agree to be bound by these Terms. If you do not agree, do not use the Services.
Arbitration and Class Action Waiver Notice: These Terms contain provisions that govern how disputes between you and Stabled are resolved, including a binding arbitration clause and class action waiver in Section 18. Please read them carefully.
By creating an account, clicking "I agree," or otherwise accessing the Services, you represent that: (a) you have read and understood these Terms; (b) you are authorized to bind the business entity on whose behalf you are acting; (c) the entity meets our eligibility requirements; and (d) you and the entity will comply with all applicable laws and regulations in your jurisdiction.
Stabled coordinates cross-border payments for business clients. The Services available today are: quotation of an all-in rate for a payment to a named supplier abroad; coordination and routing of that payment through regulated payment and exchange partners in the relevant country; delivery of proof of payment carrying the SWIFT or FED reference; and the compliance screening described in Section 5.
The following are in development and are not currently available: a self-serve dashboard and treasury management interface, corporate cards, yield on stablecoin balances, and automated reporting. Nothing in these Terms should be read as an offer of a service that is not yet live. We will update these Terms before any of them is made available.
Stabled receives and holds client funds in the course of executing a payment. Funds you send in order to fund an Order are received into an account in Stabled’s name and remain there until the payment is executed. That is an intermediate balance, and it is held by Stabled. Any statement that Stabled never holds your funds, or that Stabled operates on a non-custodial basis, is not an accurate description of the Services.
Because that is the case, the following applies to every balance Stabled holds for you:
Insolvency risk. While a balance is held by Stabled and the corresponding Order has not been executed, you bear the risk of Stabled’s insolvency in respect of that balance. Segregation is an operational and contractual commitment; it is not deposit insurance, and no government deposit guarantee applies.
Stabled is not registered as a Virtual Asset Service Provider with Argentina’s CNV. The regulated conversion and on/off-ramp activity in each corridor is performed by the licensed providers described in Section 2.3. Stabled makes no representation that its own activity falls outside any particular regulatory perimeter, and its regulatory status in each jurisdiction is as stated in Section 6 and in the licensing disclosures in these Terms.
To use the Services, you and the entity you represent must:
You must create an account with accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials, enabling multi-factor authentication (MFA), and immediately notifying us of any unauthorized access at security@stabled.co.
Onboarding requires you to submit documentation about the entity you represent and about the individuals authorized to act for it. This includes constitutive and incorporation documents, tax registration, proof of address, ownership and control information including beneficial ownership, identity documents for beneficial owners and authorized representatives, bank account and beneficiary details, and any further information that we or a regulated provider in the payment chain request in order to complete verification or to clear a specific payment.
Stabled stores your company documentation. Stabled collects, stores and retains this documentation as its own records. Stabled is registered with FinCEN as a money services business and maintains its own AML/CFT program and customer due diligence procedure, each of which requires it to obtain and keep this documentation. Verification may be administered with the assistance of a licensed identity verification provider, and documentation may be shared with the regulated payment, exchange or banking provider executing your Orders. Stabled is not acting only as a conduit in this process. The records are held by Stabled and Stabled is responsible for them.
We retain onboarding documentation and records of the payments we execute for no less than five (5) years following the later of the closure of your account or your last transaction, and for longer where a longer period is required by applicable law or where the records are subject to an audit, investigation, legal hold or regulatory request. Retention continues after these Terms terminate. Closing your account does not delete these records.
Documentation is held in access-controlled systems and is available only to personnel who need it for compliance, onboarding or payment execution. It is not sold, licensed, or used for marketing. We may disclose it where required by law, regulation or court order, in response to a lawful request from a financial regulator, bank or correspondent bank, and to the regulated providers that execute your Orders. Our handling of this documentation is described further in our Privacy Policy.
You must keep this documentation current and notify us of any change to ownership, control, authorized representatives or registered entity details within ten (10) business days. We may suspend the Services where documentation is out of date, incomplete, or cannot be verified.
Notice to Argentine users (required under CNV Resolution 1058/2025): Stabled is not registered as a VASP with the CNV. For Argentine users, all fiat-to-USDC and USDC-to-fiat conversion activity is provided by Sixalime SAU, a VASP registered with the CNV under Registration No. 21. Users engaging in on/off-ramp transactions are directly transacting with Sixalime SAU and are subject to its terms, compliance procedures, and regulatory oversight.
You may use the Services only for lawful commercial purposes. You agree not to use the Services to process payments related to illegal goods or services, launder money, finance terrorism, evade sanctions, circumvent exchange controls through misrepresentation, process payments on behalf of undisclosed third parties, or engage in market manipulation or fraudulent activity.
Stabled quotes an all-in rate for each payment before you accept it, and the rate you accept is the rate at which your payment is executed. Stabled’s compensation is the difference between the rate quoted to you and the rate at which Stabled obtains the currency. Our revenue is that spread.
We do not charge a separate commission or percentage fee on the amount of your payment, and we do not add a platform fee on top of the quoted rate. Rates vary by corridor, transaction size, and market conditions at the time of quotation, and a quote is valid only for the period stated when it is given.
Banks in the settlement chain, including intermediary and beneficiary banks, may deduct their own charges. Those charges are outside Stabled’s control and are disclosed to you where they are known in advance.
Regulated on/off-ramp providers may charge their own fees in connection with fiat conversion services. These fees are disclosed by the relevant provider prior to transaction execution.
We may update our fee schedule with 30 days' prior written notice. Continued use after the effective date constitutes acceptance.
Once you accept a quoted rate, that Order is confirmed and Stabled executes it. Settlement to the beneficiary is made in USD and is targeted within 24 hours of funding. Settlement times are targets and not guarantees, and they depend on banking hours, the corridor, and the providers in the settlement chain.
Unexecuted Orders. If an Order is not executed, you are entitled to the return of the funds you sent to fund it, less any third-party costs already irreversibly incurred, which we will itemise. This is the only claim you have on a balance held by Stabled. We will return those funds to the account they came from, without undue delay, once any compliance review is resolved. Where an Order cannot be executed for a compliance, sanctions or legal reason, return may be delayed or prevented by law, and we will tell you so far as we are permitted to.
Transfers made on a blockchain are irreversible once confirmed on-chain, and Stabled is not responsible for funds sent to an incorrect address as a result of details you provided. Stabled and its regulated partners monitor transactions for compliance with AML, CTF, and sanctions regulations and reserve the right to delay, block, or reverse transactions that trigger compliance alerts.
By using the Services, you acknowledge risks including: stablecoin de-peg risk; blockchain network failures; evolving regulatory treatment of stablecoins in Latin America; dependence on continued CNV registration of Sixalime SAU; smart contract vulnerabilities; and currency exchange rate fluctuations.
Notice regarding Argentine consumer protection law: Argentine users may have rights under Law No. 24.240, including the right to receive clear, accurate, and complete information about the services they receive, the parties providing those services (including Sixalime SAU), and applicable fees and risks. If you believe any information provided to you is unclear or incomplete, please contact us at info@stabled.co.
Stabled does not offer a yield, interest-bearing or savings product, and does not currently operate one. Funds held by Stabled in the course of executing an Order earn you no interest and earn Stabled no interest, and they are not lent, invested or otherwise put to work. If a yield or interest-bearing program is ever offered, it will be governed by separate program terms and these Terms will be updated before it is made available.
All intellectual property rights in the Stabled platform are owned by Stabled Co. or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes in accordance with these Terms.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. STABLED DOES NOT PROVIDE LEGAL, TAX, FINANCIAL, OR INVESTMENT ADVICE. STABLED DOES NOT GUARANTEE THE CONTINUED REGULATORY AUTHORIZATION OF ANY THIRD-PARTY PROVIDER, INCLUDING SIXALIME SAU (CNV VASP REGISTRATION NO. 21, ARGENTINA).
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, STABLED'S TOTAL CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF: (A) FEES PAID BY YOU TO STABLED IN THE THREE (3) MONTHS PRECEDING THE CLAIM; OR (B) USD $1,000. STABLED IS NOT LIABLE FOR LOSSES ARISING FROM ACTS OR OMISSIONS OF THIRD-PARTY REGULATED PROVIDERS.
You agree to indemnify, defend, and hold harmless Stabled and its affiliates from and against any claims arising out of or related to your use of the Services, violation of these Terms, violation of applicable law, or any transactions initiated through your account.
You may terminate your account at any time by written request to info@stabled.co. Stabled may suspend or terminate your account immediately if you violate these Terms, as required by law, or if a key regulated provider loses its required authorization.
Before initiating formal proceedings, contact us at legal@stabled.co and attempt informal resolution for at least 30 days. If informal resolution fails, any dispute shall be settled by binding arbitration administered by JAMS. YOU AND STABLED AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS MEMBER IN ANY CLASS ACTION. Nothing in this Section limits the rights of Argentine users under mandatory provisions of Argentine consumer protection law (Law No. 24.240).
These Terms shall be governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Mandatory provisions of Argentine law that cannot be excluded by contract shall apply to Argentine users to the extent required.
We may update these Terms periodically. Material changes will be communicated via email or in-platform notice at least 14 days before taking effect. Your continued use after the effective date constitutes acceptance.