Stable connects users with top peer-to-peer lending markets to generate high yields on their digital dollar holdings. The platform automatically routes funds to markets offering the highest returns, leveraging over-collateralized loans for security. This service provides users with zero-fee, flexible access to enhanced yield opportunities compared to traditional savings accounts.
Funding
Funding not disclosed
Founders
Product
Problem
Traditional savings accounts and many crypto platforms offer low or volatile returns, leaving retail savers with limited options for earning meaningful yields on cash‑equivalent assets. Accessing high‑yield peer‑to‑peer lending markets typically requires navigating multiple platforms, managing collateral, and accepting lock‑up periods or fees. Consequently, users lack a simple, secure way to allocate stable digital dollars to the most profitable lending opportunities while retaining instant liquidity.
Solution
Stable provides a self‑custodial wallet that accepts USDC, a regulated stablecoin, and automatically routes deposited funds to a curated set of over‑collateralized peer‑to‑peer lending markets. An on‑chain smart‑rebalancing engine continuously monitors market rates and reallocates capital in real time to capture the highest available yields, with compounding calculated every 250 milliseconds. The platform enforces zero transaction fees, no minimum balances, and no lock‑up periods, allowing users to withdraw at any moment. Over‑collateralization safeguards deposits against borrower default, and biometric key protection ensures that only the account holder can access the funds. Users receive transparent, real‑time yield data through a web dashboard without needing to hold or manage volatile crypto assets.
Target Audience
Stable targets retail savers and crypto‑savvy individuals who want higher, low‑volatility returns on cash‑equivalent assets without managing complex DeFi protocols. It also serves fintech platforms seeking to offer a white‑label high‑yield savings product backed by over‑collateralized lending markets.
Features
- USDC‑only deposit model with 1:1 fiat redemption, eliminating exposure to cryptocurrency price risk
- Automated market selection and smart rebalancing that continuously directs funds to the highest‑yielding over‑collateralized lending pools
- Zero‑fee structure (no transaction, management, or lock‑up fees) and no minimum deposit requirements
- 250 ms compounding engine delivering near‑instant interest accrual
- Self‑custodial security using dual biometric keys (device secure enclave and encrypted backup) for full user control of assets
- Real‑time dashboard displaying current rates, historical performance, and automated allocation logs
- Over‑collateralization enforcement on all connected markets, ensuring borrower collateral exceeds loan value at all times
- API‑compatible data export for integration with personal finance tools or institutional reporting systems