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Welcome to Part One of the Stable Stack Series
Stablecoins have come a long way but we believe they’re just getting started. In this series, we’ll explore how Stablechain is transforming stablecoins from passive assets into active building blocks of a smarter financial system. Each part will unpack a powerful piece of the Stable Stack highlighting what it unlocks, how it works, and why it’s shaping the next era of programmable money.
Stablecoins are everywhere. Today, over $255 billion sits in circulation while $27.6 trillion moved through stablecoin rails in 2024 alone, surpassing the volume of Visa and Mastercard combined. At the center of this shift is USDT which alone accounts for more than $150 billion of that volume, serving an estimated 500 million users globally.
But here’s the paradox: Everyone’s holding stablecoins. Almost no one can use them effectively. Why?
Despite this massive scale, the user experience remains fundamentally broken. Crypto wallets today function like digital safety deposit boxes where users hold, send, swap, and repeat. Meanwhile, the traditional bank account pays rent automatically, splits paychecks into savings, and manages recurring payments seamlessly.
The Real Cost of Broken Infrastructure:
E-commerce platforms lose customers at checkout due to transaction complexity
Payroll companies manually manage multiple currencies for simple transfers
Subscription services can’t offer micro-payments due to transaction friction
AI agents and automated systems fail when they run out of operational tokens
Enterprise treasury operations require constant manual intervention
Stablecoins are here; the real question is whether they can now deliver on the promise of programmable money.
Share Dialog
Welcome to Part One of the Stable Stack Series
Stablecoins have come a long way but we believe they’re just getting started. In this series, we’ll explore how Stablechain is transforming stablecoins from passive assets into active building blocks of a smarter financial system. Each part will unpack a powerful piece of the Stable Stack highlighting what it unlocks, how it works, and why it’s shaping the next era of programmable money.
Stablecoins are everywhere. Today, over $255 billion sits in circulation while $27.6 trillion moved through stablecoin rails in 2024 alone, surpassing the volume of Visa and Mastercard combined. At the center of this shift is USDT which alone accounts for more than $150 billion of that volume, serving an estimated 500 million users globally.
But here’s the paradox: Everyone’s holding stablecoins. Almost no one can use them effectively. Why?
Despite this massive scale, the user experience remains fundamentally broken. Crypto wallets today function like digital safety deposit boxes where users hold, send, swap, and repeat. Meanwhile, the traditional bank account pays rent automatically, splits paychecks into savings, and manages recurring payments seamlessly.
The Real Cost of Broken Infrastructure:
E-commerce platforms lose customers at checkout due to transaction complexity
Payroll companies manually manage multiple currencies for simple transfers
Subscription services can’t offer micro-payments due to transaction friction
AI agents and automated systems fail when they run out of operational tokens
Enterprise treasury operations require constant manual intervention
Stablecoins are here; the real question is whether they can now deliver on the promise of programmable money.
Stablechain Closes The Infrastructure Gap
Rather than polishing interfaces, we rebuilt the underlying infrastructure to enable truly programmable money.
The answer required rethinking four core assumptions about how stablecoins should work:
Token-native Automation: What if the stablecoin itself could trigger logic, not just be moved around? Instead of manually executing every transaction, stablecoins should be able to initiate automated financial flows, execute recurring payments, and respond to predefined conditions without user intervention.
With Stablechain, automated systems can operate with predictable, dollar-denominated transaction costs, enabling reliable financial automation that doesn’t break due to fluctuating operational expenses.
Single-Currency Simplicity: Why should users juggle multiple tokens just to send money? The current model forces users to maintain multiple token balances for basic operations. True programmable money should eliminate this complexity entirely.
With Stablechain, USDT serves as both the transfer currency and operational currency, allowing users to operate entirely within the USDT ecosystem, no more converting between volatile tokens and stable dollars for basic transactions.
Infrastructure Over Interface: UI/UX polish doesn’t fix broken rails. True programmable money requires foundational changes, not surface-level improvements.
With Stablechain, we rebuilt the protocol from the ground up, creating infrastructure that enables genuinely programmable money experiences where familiar wallets automatically gain advanced capabilities without users needing to change their behavior.
As a user, you have 1,000 USDT but can’t move it without managing multiple tokens. It’s like needing exact change for every toll booth, except the toll booths are everywhere and the change required keeps fluctuating.
The current payment process involves 7+ friction points:
Check gas balance: Verify that you as a user have enough gas token for transaction fees
Buy gas tokens: Purchase gas token if your balance is insufficient
Wait for confirmation: Gas token purchase must complete first
Estimate gas fees: Set appropriate gas price for network conditions
Execute transfer: Finally send your USDT
Monitor transaction: Watch for success or failure
Handle failures: Restart process if transaction fails due to insufficient gas
The drop-off problem:
New users abandon payments the moment they hit complexity
Each additional step reduces completion by 10–15%
International users face additional exchange complications
Automated payments fail constantly due to gas token management
Stablechain changes the mental model entirely. Instead of worrying about multiple tokens and complexity, you just hold USDT and pay for everything in USDT. Send 100 USDT, pay $2.50 in operational costs using your USDT balance — done. No juggling currencies, no failed transactions, no workarounds.
The Completion Rate Problem Gets Solved: Traditional crypto payments involve 4–7 manual steps, each one a chance for users to drop off. Stable’s EIP-7702 upgrade allows regular wallets (EOAs) to temporarily function as smart contracts during transactions, enabling gasless interactions.
With Stable’s EIP-7702 + Account abstraction approach, it becomes a single step: send USDT, pay gas in USDT, done. Payment success dramatically improves — fewer abandoned transactions, more completed payments.
When you eliminate operational complexity, entirely new financial behaviors unlock:
Micro-subscriptions require a micro fee. No high operational fees for small payments.
International payroll becomes automatic, employers don’t need to manage multiple tokens
Revenue splits happen in real-time. No manual token management for profit sharing.
Automated systems operate reliably — recurring payments, payroll systems, and subscription services work consistently because they only need USDT (not USDT + other form of gas tokens) to function.
Policy engines can manage complex financial rules automatically
We’ll explore how these game-changing financial behaviors work in practice in upcoming parts of this series.
Here’s where things get even more exciting. We’re implementing EIP-7702, which allows regular wallets to temporarily become “smart” during transactions. This eliminates the biggest friction point in crypto payments: gas token complexity.
At Stable, we’re eliminating gas complexity entirely using the power of EIP-7702 and Account Abstraction (AA).
With EIP-7702, your existing wallet becomes smart just for the transaction. That means it can authorize complex logic and pay transaction fees without needing other gas tokens, everything happens in USDT.
Needed other forms of gas token such as ETH just to move USDT. Needed other form of gas token such as ETH just to move USDT
Extra steps to convert tokens or manage gas.
Automation broke down when wallets lacked other gas tokens.
No need to care about your gas token. Just simply pay everything with USDT.
No manual conversions or token juggling.
Smart account logic runs automatically, with zero setup.
What This Unlocks
Your familiar wallet gets superpowers — Your existing address can execute complex financial logic automatically. No deployments, no setup, no learning curve.
True single-currency experience — Hold USDT, pay all costs in USDT, think in one currency. The system handles all conversions invisibly.
Bulletproof automation — Set up recurring payments, revenue splits, or conditional transfers that execute automatically — all powered by your regular USDT balance.
Zero friction for developers — Build financial apps where users never encounter operational token complexity.
Note: The complexity of gas is handled by the protocol, not the user. Stable abstracts it away so payments feel like payments, not engineering tasks.
As Stable grows, the experience of predictable money becomes a network property:
Employers automate payroll with confidence
Developers rely on Stable’s SDK for trusted financial flows
Users interact with apps without needing to understand gas or tokens
Enterprises unlock new settlement rails without new tokens
When everyone speaks the same financial language and that language is programmable, reliable, and cheap — you get more than just better tools.
You get a better financial system.
This is just Part 1 of our deep dive into Stable’s infrastructure. Coming up in the Stable Stack Series: In Part 2, we’ll explore how Stable’s infrastructure enables the killer use cases that make programmable money a serious contender for mainstream financial operations.
To learn more about Stable’s infrastructure and capabilities, visit docs.stable.xyz
Follow the Stable Stack Series for insights on the infrastructure powering the next generation of digital finance.
Website: https://stable.xyz
X (formerly Twitter): https://x.com/stable
Discord: https://discord.gg/stablexyz
Telegram: https://t.me/stableannouncements
Partnership Form: https://forms.gle/LLPfKJbRiuqc7zeE8
Stablechain Closes The Infrastructure Gap
Rather than polishing interfaces, we rebuilt the underlying infrastructure to enable truly programmable money.
The answer required rethinking four core assumptions about how stablecoins should work:
Token-native Automation: What if the stablecoin itself could trigger logic, not just be moved around? Instead of manually executing every transaction, stablecoins should be able to initiate automated financial flows, execute recurring payments, and respond to predefined conditions without user intervention.
With Stablechain, automated systems can operate with predictable, dollar-denominated transaction costs, enabling reliable financial automation that doesn’t break due to fluctuating operational expenses.
Single-Currency Simplicity: Why should users juggle multiple tokens just to send money? The current model forces users to maintain multiple token balances for basic operations. True programmable money should eliminate this complexity entirely.
With Stablechain, USDT serves as both the transfer currency and operational currency, allowing users to operate entirely within the USDT ecosystem, no more converting between volatile tokens and stable dollars for basic transactions.
Infrastructure Over Interface: UI/UX polish doesn’t fix broken rails. True programmable money requires foundational changes, not surface-level improvements.
With Stablechain, we rebuilt the protocol from the ground up, creating infrastructure that enables genuinely programmable money experiences where familiar wallets automatically gain advanced capabilities without users needing to change their behavior.
As a user, you have 1,000 USDT but can’t move it without managing multiple tokens. It’s like needing exact change for every toll booth, except the toll booths are everywhere and the change required keeps fluctuating.
The current payment process involves 7+ friction points:
Check gas balance: Verify that you as a user have enough gas token for transaction fees
Buy gas tokens: Purchase gas token if your balance is insufficient
Wait for confirmation: Gas token purchase must complete first
Estimate gas fees: Set appropriate gas price for network conditions
Execute transfer: Finally send your USDT
Monitor transaction: Watch for success or failure
Handle failures: Restart process if transaction fails due to insufficient gas
The drop-off problem:
New users abandon payments the moment they hit complexity
Each additional step reduces completion by 10–15%
International users face additional exchange complications
Automated payments fail constantly due to gas token management
Stablechain changes the mental model entirely. Instead of worrying about multiple tokens and complexity, you just hold USDT and pay for everything in USDT. Send 100 USDT, pay $2.50 in operational costs using your USDT balance — done. No juggling currencies, no failed transactions, no workarounds.
The Completion Rate Problem Gets Solved: Traditional crypto payments involve 4–7 manual steps, each one a chance for users to drop off. Stable’s EIP-7702 upgrade allows regular wallets (EOAs) to temporarily function as smart contracts during transactions, enabling gasless interactions.
With Stable’s EIP-7702 + Account abstraction approach, it becomes a single step: send USDT, pay gas in USDT, done. Payment success dramatically improves — fewer abandoned transactions, more completed payments.
When you eliminate operational complexity, entirely new financial behaviors unlock:
Micro-subscriptions require a micro fee. No high operational fees for small payments.
International payroll becomes automatic, employers don’t need to manage multiple tokens
Revenue splits happen in real-time. No manual token management for profit sharing.
Automated systems operate reliably — recurring payments, payroll systems, and subscription services work consistently because they only need USDT (not USDT + other form of gas tokens) to function.
Policy engines can manage complex financial rules automatically
We’ll explore how these game-changing financial behaviors work in practice in upcoming parts of this series.
Here’s where things get even more exciting. We’re implementing EIP-7702, which allows regular wallets to temporarily become “smart” during transactions. This eliminates the biggest friction point in crypto payments: gas token complexity.
At Stable, we’re eliminating gas complexity entirely using the power of EIP-7702 and Account Abstraction (AA).
With EIP-7702, your existing wallet becomes smart just for the transaction. That means it can authorize complex logic and pay transaction fees without needing other gas tokens, everything happens in USDT.
Needed other forms of gas token such as ETH just to move USDT. Needed other form of gas token such as ETH just to move USDT
Extra steps to convert tokens or manage gas.
Automation broke down when wallets lacked other gas tokens.
No need to care about your gas token. Just simply pay everything with USDT.
No manual conversions or token juggling.
Smart account logic runs automatically, with zero setup.
What This Unlocks
Your familiar wallet gets superpowers — Your existing address can execute complex financial logic automatically. No deployments, no setup, no learning curve.
True single-currency experience — Hold USDT, pay all costs in USDT, think in one currency. The system handles all conversions invisibly.
Bulletproof automation — Set up recurring payments, revenue splits, or conditional transfers that execute automatically — all powered by your regular USDT balance.
Zero friction for developers — Build financial apps where users never encounter operational token complexity.
Note: The complexity of gas is handled by the protocol, not the user. Stable abstracts it away so payments feel like payments, not engineering tasks.
As Stable grows, the experience of predictable money becomes a network property:
Employers automate payroll with confidence
Developers rely on Stable’s SDK for trusted financial flows
Users interact with apps without needing to understand gas or tokens
Enterprises unlock new settlement rails without new tokens
When everyone speaks the same financial language and that language is programmable, reliable, and cheap — you get more than just better tools.
You get a better financial system.
This is just Part 1 of our deep dive into Stable’s infrastructure. Coming up in the Stable Stack Series: In Part 2, we’ll explore how Stable’s infrastructure enables the killer use cases that make programmable money a serious contender for mainstream financial operations.
To learn more about Stable’s infrastructure and capabilities, visit docs.stable.xyz
Follow the Stable Stack Series for insights on the infrastructure powering the next generation of digital finance.
Website: https://stable.xyz
X (formerly Twitter): https://x.com/stable
Discord: https://discord.gg/stablexyz
Telegram: https://t.me/stableannouncements
Partnership Form: https://forms.gle/LLPfKJbRiuqc7zeE8
Stable Team
Stable Team
1 comment
I agree with you... In as much as cryto has made payment easy and fast with no centralized body having control over the flow of money, it still needs a reliable stablecoin as a means to an end.