Stables offers a platform for using stablecoins in daily transactions, but some users have reported issues with customer service and account access, while its pricing structure is not publicly available. For those exploring other solutions, this guide explains what Stables is, examines the reasons for seeking an alternative, and presents other options to consider depending on your financial needs.
What is Stables?
Founded in 2021, Stables is a cryptocurrency service for spending, sending, and earning stablecoins. The venture-backed company focuses on real-world applications for digital assets, enabling users to pay with stablecoins in-store and online.
While the platform is praised for its user-friendly interface, some user reviews cite issues with account verification and support. The company also keeps its pricing private, requiring direct contact for fee details.
What to Consider When Selecting a Stables Alternative?
When searching for a platform to replace Stables, it's important to evaluate alternatives based on a few key criteria:
- Crypto and Fiat Capabilities: Assess how well the service integrates digital assets like stablecoins with traditional fiat currencies for payments and conversions.
- Pricing Transparency: Look for a clear and upfront fee structure, avoiding platforms that hide costs behind a sales call.
- Customer Support: Consider the quality and responsiveness of the support team, as reliable assistance is vital when managing funds.
- Business Management Tools: Determine if the platform offers features beyond simple transactions, such as payroll processing, expense management, and accounting integrations.
- Global Reach: Evaluate the platform’s ability to handle international payments and support multiple currencies for businesses operating across borders.
If these considerations align with your priorities, explore the alternatives in the next section to find a solution tailored to your needs.
10 Best Alternatives to Stables
1. OneSafe
OneSafe is a finance platform designed to modernize banking for businesses, particularly those operating in the Web3 and crypto sectors. We provide the tools for straightforward fund management, quick payments, and access to both traditional and digital assets.
The platform enables a direct 1:1 conversion from USD to USDC on Polygon, simplifying payroll and expense management for global teams. Businesses also benefit from our responsive customer support and reliable infrastructure, which are tailored for organizations handling crypto-based payments.
Pricing
Here’s a look at our straightforward pricing. We believe in transparency, so you always know what you’re paying for.
- Free Account Services: We offer account opening, maintenance, and card issuance at no cost, with no monthly subscriptions or minimum balance requirements.
- 0.1% for US Domestic & USDT Transactions: Take advantage of low fees for US domestic transfers (ACH & wires) and USDT transactions.
- 0.2% for International Payments: Manage SEPA (EUR) and international wire transfers with a simple, transparent fee structure.
- Included Fiat-to-Crypto Conversions: Swap between fiat and crypto with our competitive market rates, which have no hidden fees.
- $25 Flat Fee for Fedwire: Send urgent domestic wires for a simple flat rate when speed is a priority.
Reviews
Clients consistently praise our platform for its outstanding customer support and ability to solve major financial headaches, often calling it a game-changer for streamlining complex operations for Web3 companies.
- "OneSafe has the best customer support I've ever experienced from a bank." - Amit Chu, Investments @ Celo Foundation
- "OneSafe is a game-changer. They solve so many headaches for our company. Finally a banking solution that gets it." - Marco, CEO of Ensuro
Want to solve your banking headaches? Check us out here.
2. Airwallex
Airwallex is a financial technology company founded in 2015 that offers a suite of services, including cross-border payments, multi-currency business accounts, and expense management. The platform also provides corporate cards to facilitate business spending.
The service enables businesses to hold funds in over 20 currencies and offers foreign exchange rates with a markup of 0.5% to 1% above interbank rates. It also provides corporate cards with no international fees and integrates with accounting software like Xero and QuickBooks.
Pricing
Here's a look at their pricing at a glance:
- Free Explore Plan: Available at no cost for users who meet specific deposit or balance minimums, this plan includes multiple business accounts and transfers to over 120 countries.
- $99/month Grow Plan: This tier includes the features of the Explore plan, adding international batch transfers, expense management, and bill pay services.
- $499/month Accelerate Plan: Designed for larger businesses, this plan offers centralized financial management for global entities and single sign-on capabilities.
- Custom Plan: Pricing is tailored for high-volume businesses or those needing custom API implementations, requiring direct contact for details.
Reviews
Customer feedback for Airwallex is varied. Some users report issues related to customer support, account access, and the verification process. Check out more Airwallex reviews here.
3. Wise
Wise, formerly TransferWise, is a financial technology company founded in 2011 that specializes in international money transfers. The company uses the mid-market exchange rate for transactions and serves over 15.5 million active customers.
The platform offers a multi-currency account for holding and managing funds in over 40 currencies, along with a debit card for worldwide spending. It has also expanded its offerings to include Wise Business and Wise Platform, catering to both individual and commercial clients.
Pricing
Here's a look at their pricing at a glance:
- Variable Fees for Sending Money: Fees start from 0.57% and change depending on the currency.
- Free for Receiving Domestic Payments: Receiving domestic payments in certain currencies is free, while international wire transfers have fixed fees.
- $9 One-Time Fee for Multi-Currency Card: The card has a one-time cost, with free spending and fees for ATM withdrawals over $100 per month.
- $31 One-Time Fee for Business Account Setup: Businesses pay a one-time fee to get account details for receiving payments in 23 currencies.
- No Cost for Holding Funds: There are no fees for holding money in the account.
Reviews
User feedback for Wise indicates some customers have reported issues with account freezes and unresponsive customer support. Check out more Wise reviews here.
4. Blank
Blank is a French company that provides online professional accounts designed for freelancers and small businesses. Their offerings include a French IBAN, a Visa Business card, and tools for accounting and invoice management.
The platform automates Urssaf declarations and provides expense tracking to help manage business finances. Additionally, it offers professional insurance solutions and access to partner deals to support various operational requirements.
Pricing
Here's a look at their pricing at a glance:
- €6/month (excl. tax) Simple Plan: Includes 30 SEPA transfers, quote and invoice tools, automated Urssaf declarations, and expense tracking.
- €17/month (excl. tax) Confort Plan: Contains all Simple plan features, plus phone support, 30 additional SEPA transfers, higher card limits, and income maintenance insurance.
- €39/month (excl. tax) Complète Plan: Offers all Confort plan features, with unlimited SEPA transfers, expanded support, and higher card limits.
- Free Trial: Each plan comes with a free trial period.
Reviews
User feedback for Blank is varied, with some customers reporting issues concerning account closures and difficulties accessing their funds. Check out more Blank reviews here.
5. N26
N26 is a German fintech company founded in 2013 that delivers a fully mobile banking experience. The company provides services including transaction accounts, debit cards, overdrafts, and investment products.
The platform operates with real-time banking and a user-oriented app interface. It also incorporates tools for managing spending and savings directly within the application.
Pricing
Here's a look at their pricing at a glance:
- Free N26 Standard:A free account with no maintenance fees or minimum balance requirements, which includes a virtual Mastercard for online and mobile payments.
- €4.90/month N26 Smart:This plan offers tools for spending and saving, with the ability to add up to 10 sub-accounts.
- €9.90/month N26 Go:This account is designed for travel and includes benefits like free ATM withdrawals abroad and travel insurance.
- €16.90/month N26 Metal:This premium account includes a metal card, travel insurance, and priority customer support.
Reviews
User feedback indicates some customers have experienced issues with slow or unhelpful customer support. There are also reports of account closures without clear reasons and difficulties accessing frozen funds. Check out more N26 reviews here.
6. VIALET
VIALET is a Lithuanian Electronic Money Institution (EMI) established in 2017 that offers digital banking services for small and medium-sized enterprises. The company provides dedicated International Bank Account Numbers (IBANs) for SEPA, SEPA Instant, and SWIFT transactions, as well as card processing solutions for corporate clients.
The platform supports C2B, B2B, and B2C payment methods and offers banking APIs, mass payouts, and third-party integrations for businesses with low to medium risk profiles. Additionally, VIALET accepts payments to and from cryptocurrency processors and provides accounts for EU-licensed crypto exchanges.
Pricing
VIALET does not publicly disclose its pricing details on its website. To receive a price list, prospective clients must complete an application, with final fees determined after a review.
Reviews
User feedback indicates some customers have experienced issues with unprofessional behavior and poor customer service. There are also reports of difficulties during the account opening process, including excessive information requests and prolonged response times. Check out more VIALET reviews here.
7. Payhawk
Payhawk is a spend management platform that integrates corporate cards, expense management, and accounts payable into a single system. It is designed to provide businesses with visibility and control over company expenditures through real-time tracking and reporting.
The platform offers Visa cards in multiple currencies, automated receipt collection, and AI-powered data extraction in over 65 languages. It also supports multi-entity management for businesses with various subsidiaries and connects with accounting systems like Xero and QuickBooks.
Pricing
Payhawk does not publicly disclose its pricing structure on its website. To obtain pricing information, businesses must schedule a personalized demo to discuss their specific needs.
Reviews
User feedback for the platform is mixed, with some customers reporting issues related to mobile app synchronization, transaction update delays, and the initial setup process. Check out more Payhawk reviews here.
8. Everestcard
Everestcard is a neobank that provides services for business financial management. It issues virtual and physical Mastercard credit cards for team use.
The platform allows for online management of cards and expenses through a dashboard and web app. It also includes tools for expense management, such as automated reports and digital receipt scanning.
Pricing
Here's a look at their pricing at a glance:
- €20 Monthly Fee: Includes up to three Mastercard credit cards, both virtual and physical, and access to expense management tools.
- €5 per Additional Card: A monthly charge for each card issued beyond the initial three.
- 90-Day Free Trial: Allows businesses to use the platform's features before subscribing.
Reviews
User feedback for Everestcard is limited, with some reviews raising concerns about the company's reliability, responsiveness, and issues with account access. Check out more Everestcard reviews here.
9. MuralPay
MuralPay is a financial technology company focused on changing international transactions by addressing outdated infrastructure and the number of unbanked individuals worldwide. The company offers a platform and API for pay-ins, payouts, invoicing, and compliance, all powered by stablecoins.
Its infrastructure provides instant global payments, multi-currency invoicing, and virtual accounts for various currencies and digital assets. The system also supports batch payments, real-time currency conversion, and includes compliance tools for businesses operating across the Americas.
Pricing
MuralPay does not publicly disclose its pricing information on its website. To obtain specific fee details, prospective clients must contact the company directly, though a free demo is offered to explore the platform.
Reviews
Some users have reported issues with transaction processing and compliance procedures, while others have raised concerns about the platform's cost for large teams and its interface on smaller devices. Check out more MuralPay reviews here.
10. Revolut
Revolut is a British financial technology company founded in 2015, offering services that include current accounts, debit and credit cards, and trading for stocks and cryptocurrency. The platform also facilitates peer-to-peer payments for its users.
It enables the management and exchange of over 25 currencies and supports both local and international money transfers. Additionally, the service provides team management tools for issuing cards and setting spending controls, along with integrations for accounting software.
Pricing
Here's a look at their pricing at a glance:
- From £10/month Basic Plan: Provides essential features for running a business.
- From £30/month Grow Plan: Offers additional tools to manage spending and operations.
- From £90/month Scale Plan: Designed for businesses with higher transaction volumes and advanced needs.
- Custom Enterprise Plan: Pricing is tailored to specific business requirements.
Reviews
User feedback for Revolut is mixed, with some users reporting challenges with customer support and account verification, alongside limitations in certain banking features. Check out more Revolut reviews here.
Which One Should You Go With?
Choosing the right financial partner depends on your unique business needs, and any of the platforms listed can be a solid choice. If you're looking for a modern banking solution built for the demands of Web3, we recommend OneSafe for its straightforward fund management and dedicated support. Ready to solve your banking headaches? Sign up for OneSafe today.
