# Use stablecoins in Financial Accounts

Learn how to receive, store, and send stablecoins using your Financial Account balance.

Financial Accounts let you receive payments, store balances, manage expenses, and send funds globally using *stablecoins* (A cryptocurrency that's pegged to the value of a fiat currency or other asset in order to limit volatility) or fiat currencies.

We support stablecoins in Financial Accounts in [more than 100 countries](https://docs.stripe.com/financial-accounts/stablecoins.md#regional-support).
![Dashboard showing a financial account balance](https://b.stripecdn.com/docs-statics-srv/assets/stablecoin-fa-balance.e59e710856bb6eff9abdd236f36802cc.png)

## Add funds to your stablecoin balance 

To get started, fund your stablecoin balance.

### Add from a bank account

1. On the [**Balances**](https://dashboard.stripe.com/balance/overview) overview, click **Add funds**.
1. Click **Bank transfer**.
1. Copy the required account information, then complete the transfer through your bank.

### Add from a crypto wallet

1. On the [**Balances**](https://dashboard.stripe.com/balance/overview) overview, click **Add funds**.
1. Click **Crypto transfer**.
1. Select a crypto network.
1. Copy the wallet address or scan the QR code with your crypto wallet.
1. Click **Done**.

## Recurring transfers 

You can set up automatic recurring transfers from your [payments balance](https://docs.stripe.com/payments/balances.md#payments-balance) to your financial account, on a daily, weekly, or monthly basis.

1. On the [**Balances**](https://dashboard.stripe.com/balance/overview) overview, click the financial account you want to receive the funds.
1. Click **Recurring transfers**.
1. Under **Payout schedule**, click **Automatic payouts**, then select a daily, weekly, or monthly schedule.
1. Click **Save**.
1. Under **Payout destinations**, select **Transfer all revenue to your financial account**.
   - You can opt to **Transfer a target amount to your financial account** instead. If you select this option, enter a recurring amount to transfer. Any remaining funds in your payments balance are sent to an external account if linked.
1. Click **Save**.

In your financial account, the **Recurring transfers** status changes to **On**. It takes 1-2 business days for the changes to take effect.

## Transfer from your stablecoin balance 

You can withdraw money from your stablecoin balance to your external bank account or crypto wallet.

1. On the [Balances](https://dashboard.stripe.com/balance/overview) overview, click **Transfer**.
1. Select the external account to transfer to or create a new one. For bank transfers, the amount automatically updates based on current exchange rates.
1. Click **Review** to check the details and cost breakdown of the transfer, then click **Transfer**.

## Pay out from your stablecoin balance 

You can pay out money to other people or businesses from your stablecoin balance. You need their bank account or crypto wallet information to complete the transfer.

1. On the [Balances](https://dashboard.stripe.com/balance/overview) overview, click **Send**.
1. Select an existing recipient or create a new one. If you create a new recipient, you can choose which payout methods to add. You can also update this on the **Directory** page.
1. Select the external account to transfer to. For bank transfers, the amount automatically updates based on current exchange rates. An exact rate [isn’t guaranteed](https://docs.stripe.com/financial-accounts/stablecoins.md#currency-conversion).
1. Click **Review** to check the details and cost breakdown of the transfer, then click **Pay out**.

### Supported countries and regions for stablecoin payouts

Global Payouts with stablecoins can be sent to recipients in the following countries and regions:

- AD
- AE
- AG
- AM
- AO
- AR
- AT
- AU
- AZ
- BA
- BB
- BE
- BG
- BH
- BJ
- BN
- BO
- BR
- BS
- BT
- BW
- BZ
- CA
- CH
- CI
- CL
- CM
- CO
- CR
- CV
- CY
- CZ
- DE
- DJ
- DK
- DM
- DO
- EC
- EE
- EG
- ES
- FI
- FJ
- FM
- FR
- GA
- GB
- GG
- GH
- GI
- GM
- GN
- GQ
- GR
- GT
- GW
- GY
- HK
- HN
- HR
- HT
- HU
- ID
- IE
- IL
- IM
- IS
- IT
- JE
- JM
- JO
- JP
- KE
- KG
- KH
- KI
- KM
- KN
- KR
- KW
- KY
- KZ
- LA
- LC
- LI
- LK
- LR
- LS
- LT
- LU
- LV
- MA
- MC
- MD
- ME
- MG
- MN
- MR
- MT
- MU
- MV
- MW
- MX
- MY
- MZ
- NA
- NG
- NL
- NO
- NR
- NZ
- OM
- PA
- PE
- PG
- PH
- PL
- PT
- PW
- PY
- QA
- RO
- RS
- RW
- SA
- SB
- SC
- SE
- SG
- SI
- SK
- SL
- SM
- SN
- SR
- ST
- SV
- SZ
- TG
- TH
- TJ
- TL
- TM
- TO
- TR
- TT
- TV
- TZ
- UG
- US
- UY
- UZ
- VA
- VC
- VN
- VU
- WS
- ZA
- ZM

## Create cards backed by stablecoins (Private preview)

[Creating cards](https://docs.stripe.com/financial-accounts/cards.md) backed by stablecoins in financial accounts is available in the US and more than 100 international markets. Eligible users who are invited to the private preview have the option to issue stablecoin-backed cards in their financial account.

## Supported currencies

| Currency | Networks                                                                                                                                                                                                                                                                                                                                                                     |
| -------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| USDC     | - Arbitrum
  - Avalanche C-Chain
  - Base
  - Ethereum
  - Optimism
  - Polygon
  - Solana
  - Stellar                                                                                                                                                                                                                                                                       |
| USD1     | - *ACH* (Automated Clearing House (ACH) is a US financial network used for electronic payments and money transfers that doesn’t rely on paper checks, credit card networks, wire transfers, or cash)
  - *Wire transfer* (Also called a bank transfer or credit transfer, wire transfers are a method of electronic funds transfers that move money from a payer to a payee) |
| EUR1     | - *SEPA* (Single Euro Payments Area (SEPA) is a payment-integration initiative to simplify bank transfers involving euros. Several dozen countries comprise SEPA. Most of the participating countries are in the European Union and have euro-based economies, but this is not a requirement)                                                                                |

1 (US only)

### Currency conversion

If a payout or transfer from your stablecoin balance involves a currency conversion, Stripe displays an estimate of the amount that we’ll deposit in the recipient currency. This estimate isn’t guaranteed, and the completed transaction amount might change based on the current exchange rate.

## Supported countries 

Stablecoin balances in Financial Accounts are supported in these countries:

- AD
- AG
- AI
- AM
- AO
- AR
- AZ
- BA
- BB
- BH
- BJ
- BM
- BN
- BS
- BT
- BW
- BZ
- CK
- CL
- CM
- CO
- CR
- CV
- DJ
- DM
- DO
- EC
- FJ
- FM
- GA
- GG
- GM
- GN
- GQ
- GT
- GY
- HN
- IM
- JE
- JM
- JO
- KG
- KI
- KM
- KN
- KY
- KZ
- LC
- LK
- LR
- LS
- MC
- MD
- ME
- MG
- MH
- MN
- MR
- MS
- MU
- MV
- MW
- NA
- NR
- OM
- PA
- PE
- PG
- PW
- PY
- QA
- RS
- SA
- SB
- SC
- SL
- SM
- SN
- SR
- ST
- SV
- SZ
- TC
- TG
- TJ
- TL
- TM
- TO
- TR
- TT
- TV
- TZ
- UG
- UZ
- VA
- VC
- VG
- VN
- VU
- WS
- ZM

## Custody of stablecoin balances 

- [Bridge](https://www.bridge.xyz/) (a Stripe company) acts as the custodian of your stablecoin balance.
- We hold your stablecoin balance in either USDC, issued by [Circle](https://www.circle.com/), or [USDB](https://www.bridge.xyz/news/usdb), issued by Bridge. You can see your balance currency by clicking the information icon next to your balance.
- Both USDC and USDB are pegged to USD at a 1:1 ratio.
- USDB is an infrastructure or “closed-loop” stablecoin issued by Bridge. It’s always backed 1:1 by the equivalent value of USD held in cash and short-duration money market funds with [BlackRock](https://www.blackrock.com).