A new app with a card attached, and almost no information about either

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Stablepay is a young product: the iOS app first appeared on 27 July 2026, the terms were last revised on 8 October 2026, and the privacy policy took effect on 15 October 2026. It positions itself as a way to receive money from clients and employers, hold it in “digital dollars,” and spend it through a payment card at merchants worldwide. The idea is straightforward, and it is aimed squarely at freelancers and remote workers who get paid in digital dollars and want something they can swipe or tap. The reality on the ground, after reading the legal pages, the app listing, and the public documents, is that Stablepay tells you very little about the card itself: no country list, no schedule of fees, no named issuer, no clear statement of whether you get a physical card, a virtual one, or both, and no confirmation of Apple Pay or Google Pay support. The score below reflects that gap as much as anything else.

The conditions described here are current as of October 28, 2026.

Verdict

Stablepay scores 4.6 out of 10. That is not a verdict against the company. It is a verdict against the lack of public information: a product that has barely launched, with a terms document that does not name its card issuer, a fee schedule that does not appear, and an app store listing that has zero ratings. If you are a freelancer who gets paid in digital dollars and wants a card to spend that balance at point of sale, the product is plausible on paper. If you are anyone who needs to compare costs, confirm coverage in your country, or check whether the card works with Apple Pay before signing up, the public material does not give you enough to decide.

The breakdown below shows where the marks come from. The reasons are written from a reader’s perspective, not as marketing language.

The total is 4.6 / 10.

Who it suits, briefly: freelancers and remote workers who are paid in digital dollars, are comfortable with a self-custody wallet, and can live without published fees or a known card network while the product is this new. Who it does not suit: anyone who needs to see the fee schedule before signing up, anyone in a country not on an unsanctioned list (since there is no list), and anyone who relies on chargeback rights or a named issuer when things go wrong.

Who they will give the card to

Stablepay is run by StablePay International, LLC, registered at 2810 N. Church St #36879, Wilmington, Delaware, USA 19802-4447. The company is US-based. The terms cover a sanctions rule (Section 5.2.7): you must not appear on OFAC’s SDN or Foreign Sanctions Evaders lists, and you must not be located in, or owned by, persons in countries under comprehensive US or other applicable sanctions. The privacy policy adds that it covers residents of the US, the EU/EEA, the United Kingdom, Switzerland, Iceland, Liechtenstein, Norway, and California residents specifically.

That is the whole eligibility story in public. There is no list of supported countries. There is no residency test by name. Citizenship is not addressed separately from residence, and the documentation does not say whether a passport from one country combined with a residence in another is enough. The terms do not say which identity documents are accepted, what counts as proof of address, or how the company treats dual nationals. If you live in a country that is not under comprehensive sanctions, the rules on paper do not exclude you, but the absence of a positive country list means there is no public guarantee either.

The age rule is clear: users must be at least 18.

A reader who values clarity on day one will see this as a gap. A reader who is comfortable applying and finding out at KYC time will treat it as a workflow detail. Both reactions are reasonable.

How to get it

The signup process is the part of Stablepay that is described in the most detail, even if the rest of the product is not. You register an account, then provide KYC information if you are an individual or KYB information if you are a business. The terms (Section 3.3) say Stablepay may verify that information, and may deny access if you refuse it or if it is inaccurate. Biometric identity verification is handled by Sumsub Inc., a third-party verification vendor; Stablepay states that it does not receive the biometric data itself.

What you will not find in the public material: a clear description of what “A Stablepay card” actually is. The App Store description refers to “a Stablepay card” that is “accepted at merchants worldwide” with the balance converting to local currency at checkout. The legal pages add that Spend Cards are issued and managed by third-party Issuers, and they reference three separate documents: the Spend Card Terms, the Prepaid Card Terms, and the Card Authorized User Terms. Those documents are not in the public main flow. The card programme documents are linked from a domain called legal.raincards.xyz, which is named in the E-Sign notice.

What that means for you: the card exists, but you cannot tell from public information alone whether it is virtual or physical, whether it runs on Visa or Mastercard, what BIN it sits under, or what its delivery time is. Those are basic facts for a payment card, and they are not published. The single-tier structure (no gold, no platinum, no metal) is implied by the absence of any tier language in the terms, but it is not stated outright either.

The reasonable interpretation is that you will find most of these details out during the KYC process, or after the card is issued. For a reader who likes to know what they are signing up for before they upload a passport, that is a meaningful shortcoming.

Fees: what it really costs

The honest answer here is that the public material does not give a fee schedule for the card. There is no table of issuance fees, monthly fees, ATM withdrawal fees, or FX markups on the website or in the main terms. There is no annual fee published, no inactivity fee, no minimum top-up, and no stated daily or monthly spending limits. The terms do not set numeric transfer limits and explicitly allow Stablepay or its providers to refuse any transfer at any time (Section 2.1.5).

What the terms do say, in Section 2.1.8, is that transfer fees vary by method, destination, and the involvement of third parties, and that Stablepay will show them before a transfer is finalised on a “commercially reasonable efforts” basis. So in practice, you find out what a transfer costs at the confirmation screen, not in advance. For a cardholder, that is workable for one-off transfers but hard to budget for.

The cost picture, such as it is, looks like this:

To put a few everyday payments under the microscope: if you buy a coffee in a non-USD country, the digital dollar balance converts to local currency at checkout and the conversion fee (whatever it is) applies. If you withdraw cash from an ATM abroad, the ATM fee, the FX margin, and any per-transaction fee all apply, but none of them are published. If you receive a payment from a client via SEPA, the transfer fee is shown at confirmation. None of those answers is reassuring, but they are also not unusual for a product in its first few months, and they are likely to be tightened up as the company adds published documentation.

The cardholder-facing takeaway is simple: ask for the fee schedule in writing, or at least screenshot the in-app fee disclosure, before you commit to large balances. Do not fund the card with money you cannot afford to wait on while fees are clarified.

Top up: how to fund the card

Top-up is the part of Stablepay that gets the most concrete description. The app store listing mentions balances held in “digital dollars and supported currencies,” incoming payments from clients and employers, and cross-border transfers through licensed partners via ACH, SEPA, Pix, and SPEI. The exact availability, timing, and fees depend on the country and on eligibility, and the terms say these are shown before a transfer is finalised.

That covers the four named rails, all of them fiat, and it covers incoming payments from third parties. What is not covered: which cryptocurrencies or stablecoins you can transfer in, which networks are supported, what the minimum deposit is, and what the deposit fee is. The terms do not name coins or networks. For a product that calls itself a crypto card, the absence of coin-level detail is the single biggest gap in the public material.

In practice, a reader should expect the following workflow: you create an account, pass KYC, and at some point receive a wallet address or a deposit route. Whether that route accepts USDT on Ethereum, USDC on Solana, or only a bank transfer, the public material does not say. You will find out at the deposit screen, not before.

For outbound transfers, the app store description says you can send to other people and make cross-border payouts via ACH, SEPA, Pix, and SPEI. Fees are shown before the transfer is finalised. If either party terminates the relationship, the terms (Section 7) allow termination on 30 days’ written notice, and the balance-on-closure process is not described in the public material.

Paying with it every day

The everyday-use story is the thinnest part of Stablepay’s public footprint. The app store description says the card is “accepted at merchants worldwide” and that the balance converts to local currency at checkout. That is the entire stated user experience of the card.

There is no statement about whether the card supports contactless payments, whether it works with Apple Pay or Google Pay, whether it has a magnetic stripe, what its ATM presence is, or whether it supports 3-D Secure for online checkout. There is no published merchant category blocklist, no statement on online vs in-store acceptance, and no separate treatment of recurring payments or subscriptions. Cashback, rewards, and any spending bonuses are also not stated.

The iOS app, called “Stablepay: Send & Spend,” is free, requires iOS 16.4 or later, and is currently at version 2026.10.20 (77) of 21 Oct 2026. As of 22 October 2026, it had zero ratings in the App Store, which is unusual for a payment app but understandable for one that only launched in late July 2026. A Google Play listing is linked from the website but the figures for it are not in the public material.

The disputes picture is structured oddly. The terms say disputes with Stablepay itself fall under New York law, with courts in New York, New York having exclusive jurisdiction, and that the user waives jury trial. Aggregate liability is capped at $500 USD (Sections 9.1 and 10). For card-specific disputes, the Spend Cards are governed by separate Issuer Terms, and the timeframes and process for chargebacks are not stated. So if a card transaction goes wrong, your path is into the issuer’s terms, not Stablepay’s, and the public material does not name that issuer.

What can go wrong

A few categories of risk are worth walking through, because the public material gives you just enough to see the shape of them but not enough to size them.

Company and counterparty risk. StablePay International, LLC is a Delaware LLC. The card itself is issued by an unnamed third-party Issuer, and the card programme documents live on a separate domain, legal.raincards.xyz, named in the E-Sign notice. The “licensed partners” that handle ACH, SEPA, Pix, and SPEI transfers are not named in the terms. That means your money and your card data sit behind at least two companies you did not sign a direct contract with, and the only public document tying them together is Stablepay’s terms.

Self-custody responsibility. The terms (Sections 2.1.1-2.1.2) and the app store description both say Stablepay is not a custodian, not a bank, not FDIC-insured, and not a fiduciary. The app store adds: “Stablepay doesn’t take custody of your balance.” This is the upside of self-custody (you hold the keys) and the downside at the same time (you hold the keys). If you lose your seed phrase, lose access to your wallet, or fall for a phishing attack that swaps a copied address, the network cannot reverse the transaction. Stablepay’s position is that this is your responsibility, and the public material does not describe 2FA, card freeze, or recovery workflows.

Disputes and liability. Disputes with Stablepay itself are capped at $500 USD, and you have waived jury trial. For card-specific disputes, the issuer’s terms apply and the public material does not name the issuer or the chargeback timeframes. A reader who treats the card as a regulated debit card with full chargeback rights may be surprised.

Regulatory drift. The company is US-based, with a US sanctions rule and a US-anchored dispute forum. The EU’s MiCA regulation has been in effect in stages since June 2023, with the CASP rules applying from 30 December 2024, and the transitional period for existing providers running until 1 July 2026 or until a MiCA authorisation is granted or refused. Whether Stablepay, or any of its transfer partners, holds a MiCA authorisation or a national payment-services licence is not stated in the public material. If you are an EU/EEA resident, you should check ESMA’s interim register of authorised CASPs and your national regulator’s EMI register before committing significant funds.

Complaints and incident history. As of 22 October 2026, a single search returned no Stablepay-specific coverage or reviews; the results were about other companies with similar names. The App Store has 0 ratings, and no Trustpilot page or reviews were found. That is not a positive or a negative signal: it is the absence of signal, which is the right frame for a product that launched in late July 2026.

Support. The privacy policy names [email protected] for questions regarding third parties used to facilitate the services, and [email protected] for legal notices. The app language is English. There is no published phone support, no live chat, and no statement of response-time targets.

What to take instead

If you are weighing Stablepay against other cards in the same rough space, the differences in published information matter as much as the differences in features. The three alternatives below are taken from the broader crypto card landscape; they are not endorsements, and you should check each one against your own country, ID, and use case.

TokenPocket (TP Card) scores 5.8 out of 10. It supports a Visa debit card in a list of European countries and territories (Germany, France, Spain, Switzerland, among others) and a Mastercard debit card in Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea, and the UK, with the Americas “planned for Q2 2025.” Cards run on Arbitrum, balances are in EUR24 and USD24, and the FAQ says “apart from these, TP Card does not charge any additional fees.” A 1% fee is charged when depositing cryptocurrency into the TP Card, with a note that it will be refunded later through rewards or reduced transaction fees. FX fees are not stated, and extra fees can come from inter-institution settlement.

MetaMask Card scores 7.1 out of 10. Sign-up is open in 45 listed countries and territories, with other regions on a waitlist; US and UK sign-ups are temporarily closed per the FAQ. The card is a Mastercard: virtual first (instant), with a Metal tier that can be pre-ordered in the app after virtual approval. The issuer is Monovate, with Crypto Life as the card provider. The Virtual card is free, with no annual or maintenance fee; Metal is $199 per year. The site says “minimal fee for each transaction” and “no additional MetaMask fees,” with no foreign transaction fee and the Mastercard rate used for FX. Funding is from the connected wallet, on Linea, Base, Monad, or Solana, with named tokens including mUSD, wETH, EURe, GBPe, USDC, and USDT (the page says nine in total). Cashback is paid in mUSD: 1% on Virtual, headline 3% on Metal (footnote limits 3% to the first $10,000 spent, then 1%).

KAST scores 6.1 out of 10. Eligibility is shown at KYC: if your country is not listed, KAST is not available there; the list itself is not published. The product comes in three tiers: Standard (annual membership 0 USD), Premium (1,000 USD/year), and Private (10,000 USD/year), all billed annually upfront. Cards are Visa Platinum (Standard), Visa Infinite metal (Premium), and Visa Infinite gold plated (Private), with up to 10 cards per user, virtual and physical, and themed designs (Pengu, Solana, Bitcoin). Funding is in stablecoins (USDT, USDC, PYUSD, RLUSD) on Ethereum, Solana, Polygon, Arbitrum, and TRON, with no bank account needed. Fees are explicitly stated: stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple/Google Pay 0%, non-USD FX fee 0.5% to 1.75% depending on residence country, transaction country, and card programme. Cashback is in USD: Standard 1.5% on the first 2,000 USD/month, Premium 2% on the first 10,000 USD/month, Private 3% on the first 40,000 USD/month, paid when the transaction is authorised.

The contrast is mostly about disclosure. Stablepay tells you the product exists; these three tell you the fees, the country list, the card network, and the tier structure. If disclosure matters to you, the comparison settles itself.

Who I would recommend it to

If you are a freelancer or remote worker who is already comfortable with self-custody wallets, who is paid in digital dollars through ACH, SEPA, Pix, or SPEI, and who can live without a published fee schedule, a known card network, or a known card issuer for the first few months of using the product, Stablepay is a plausible fit. The fact that the company is a registered US LLC, that KYC is handled through a named vendor (Sumsub), and that the terms include a sanctions exclusion gives a baseline of legitimacy. The app store description is consistent with how the product would actually work: receive money, hold it in digital dollars, spend it through a card that converts at checkout.

If you are not in that group, the case is harder. A reader who needs to budget fees in advance, who relies on chargeback rights through a regulated issuer, who lives in a country where ACH, SEPA, Pix, and SPEI are not the right rails, or who wants a card that they can compare line by line against MetaMask Card, KAST, or TokenPocket will find the public material insufficient. The terms cap Stablepay’s own liability at $500 USD and require disputes to be heard in New York under New York law; that is a meaningful constraint if anything goes wrong.

The honest recommendation is to wait for a published fee schedule, a named card issuer, a country list, and a few months of public reviews. None of that is a criticism; it is just the normal due diligence for a card product that launched in late July 2026.

Frequently asked questions

What is the Stablepay card?

Stablepay is an app and a card product from StablePay International, LLC, a Delaware company. The app is for receiving money from clients and employers, holding it in “digital dollars,” and spending through a payment card at merchants worldwide, with automatic conversion to local currency at checkout. The card itself is issued by a third-party issuer that is not named in the public terms.

How does the Stablepay card work?

You register, pass KYC, receive a wallet or account, fund it through one of the supported rails (ACH, SEPA, Pix, or SPEI for fiat, plus incoming payments from clients and employers), and spend through a card that converts the balance to the merchant’s local currency at the point of sale. The specific coins and networks you can deposit are not stated in the public material.

Is Stablepay a bank?

No. The terms are explicit that Stablepay is not a bank, not FDIC-insured, not a custodian, and not a fiduciary. Balances are held in a self-custody model, which means you are responsible for the security of your wallet.

Who owns Stablepay?

The product is operated by StablePay International, LLC, registered at 2810 N. Church St #36879, Wilmington, Delaware, USA 19802-4447. The card is issued by an unnamed third-party Issuer, and the transfer partners are unnamed “licensed partners.”

Is Stablepay available in my country?

There is no public list of supported countries. The terms exclude anyone on OFAC’s SDN or Foreign Sanctions Evaders lists, or anyone located in or owned by persons in countries under comprehensive US or other applicable sanctions. Beyond that, eligibility is determined during KYC.

How do I apply for the Stablepay card?

You download the app (iOS today, with a Google Play listing linked from the website), register an account, and provide KYC information as an individual or KYB information as a business. Biometric verification is handled by Sumsub Inc. The card itself is issued after that process completes; whether it is virtual, physical, or both, is not stated in the public material.

Does Stablepay require KYC?

Yes. The terms require KYC for individuals and KYB for entities, and Stablepay may verify the information and deny access if you refuse it or if it is inaccurate. Proof-of-address requirements and the list of accepted documents are not stated.

How do I top up the Stablepay card?

You top up by receiving payments from clients, employers, or other individuals, or by making a cross-border transfer via ACH, SEPA, Pix, or SPEI through licensed partners. The specific stablecoins or networks supported are not stated in the public material.

Is the Stablepay card safe?

The wallet is self-custodial, so you control the keys, and Stablepay states it does not take custody of your balance. That is also a responsibility: lost keys, phishing, and clipboard-hijacking malware can drain funds, and blockchain transfers are generally irreversible. 2FA, card freeze, and recovery workflows are not described in the public material.

How do I close my Stablepay account?

Either party may terminate the relationship on 30 days’ written notice (Section 7 of the terms). The process for withdrawing the remaining balance on closure is not described in the public material, so you should clarify it through [email protected] before initiating a closure.

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