Last updated: March 17, 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 Technologies, Inc. ("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 provides an enterprise treasury coordination platform. Our platform includes: a unified dashboard and treasury management interface; payment coordination and routing; corporate cards issued via our card network partner; yield coordination on USDC balances; and analytics and reporting.
Stabled does not hold, exchange, custody, or administer virtual assets. Wallet infrastructure is provided by our non-custodial infrastructure partner. Users retain control of their assets at all times and Stabled never holds private keys or exercises discretionary control over user funds. Stabled does not engage in regulated Virtual Asset Service Provider (VASP) activities as defined under applicable law, including Argentina's CNV Resolution 1058/2025.
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.
Access to fiat on/off-ramp services requires identity verification administered by our licensed identity verification provider on behalf of the applicable regulated provider. Stabled acts strictly as a data processor in this process and does not independently store KYC/KYB documents beyond the time necessary for successful transmission.
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 charges a flat fee of 1.5% on the notional value of each cross-border payment transaction. This fee is inclusive of FX conversion costs and is deducted at the time of settlement. No additional correspondent banking fees, intermediary fees, or hidden markups are applied by Stabled.
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.
Blockchain-settled USDC transactions are irreversible once confirmed on-chain. Stabled is not responsible for funds sent to incorrect addresses due to your error. 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.
Participation in any yield or interest-bearing program is optional and subject to separate program terms. Yield rates are variable and not guaranteed. Yield programs are not insured by any government deposit insurance scheme.
All intellectual property rights in the Stabled platform are owned by Stabled Technologies, Inc. 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.