July 2026
Welcome to the tenth edition of The Stable Standard, where we share progress across Stable and the broader shift toward stablecoin-native financial infrastructure.
This month marked a major step forward with the launch of StablePay, bringing instant global USDT payments to users across 160+ countries. StableChain also reached a new daily activity record, processing more than one million transactions in a single day while maintaining sub-second block times.
Launched StablePay, the everyday app for instant global USDT payments, now available on iOS and Android across 160+ countries.
Expanded access to StableEarn through StablePay, allowing users to earn yield on idle USDT balances directly in the app.
Network activity reached new peaks, including 1M+ transactions in a single day, with sub-second blocks maintained throughout.
Published two new Stable Build editions on building stablecoin neobanks and programmable USDT treasuries.
Transaction volume surged by more than 700% over a two-day period, with RPC capacity expanded to meet demand.
Expanded institutional and ecosystem support with Chainalysis, Cactus Custody, Philidor Labs and more.
Expanded trading access through Ave, GMGN, and GeckoTerminal.
Released the collaborative Agentic Payment Whitepaper with Interlace and partners.
StableChain saw its strongest period of network activity to date during July.
Month-end network metrics:
21M+ total transactions processed, up ~193% from June.
280k+ total addresses, up ~509% from last month.
23k+ smart contracts, up ~288% from June.
12K+ tokens on the network.
The network also processed 1M+ transactions in the last 24 hours, reflecting growing activity across payments, trading, smart contracts, and application deployments. StableChain maintained sub-second block times as activity reached a new daily all-time high.
July marked the global launch of StablePay, the everyday app for global USDT payments.
StablePay is now live on iOS and Android across more than 160+ countries, bringing everyday USDT payments, requests, withdrawals, and StableEarn into a single-app experience.
With StablePay, you can:
Send and receive USDT instantly, 24/7.
Send USDT to other StablePay users at no cost.
Pay using a StableName, email address, phone number, or QR code.
Request payments through a link or QR code.
Add funds from a crypto wallet, exchange, or supported fiat payment method.
Withdraw USDT to external wallets and exchanges.
Access StableEarn directly within the app.
Explore the StablePay guide here.
StablePay is designed to remove the complexity commonly associated with stablecoin payments. Users do not need to manage long wallet addresses, separate gas tokens, or multiple applications to move and manage their USDT.
Whether splitting a bill, sending money home, paying someone abroad, or receiving a global payment, StablePay makes moving USDT as simple as sending a message.
We also published a complete StablePay guide covering account creation, funding, payments, requests, Earn, security, and withdrawals.
Download StablePay:
Read the launch announcement here.
StableEarn continued to expand throughout July, making it easier for users to put idle USDT to work without leaving the Stable ecosystem.
With the launch of StablePay, users can now access StableEarn directly within the app.
Users can deposit USDT into available vaults, track their positions, and withdraw funds through the same interface they use for everyday payments.
Explore StableEarn.
In July, we released two new Stable Build editions to continue exploring how developers can build on Stable's payment, settlement and yield infrastructure into production-ready financial applications. The two editions explored:
Stable Build #2: Build a Neobank explored how to create the core components of a stablecoin neobank using the Stable SDK. The guide covered account management, bridging USDT onto StableChain, instant transfers, token swaps, StableEarn deposits, withdrawals, and balance tracking through a unified developer interface. Together, these components provide a simpler foundation for wallets, payroll platforms, savings products, card programs, and consumer financial applications. Read the full guide here.
Stable Build #3: A Programmable Stablecoin Treasury for USDT Payouts showed how businesses can build a treasury system that executes payments only when they meet predefined rules. The guide covered approved recipients, invoice verification, payout limits, multi-party approvals, daily spending controls, and transaction signing through Portal's MPC wallet infrastructure, providing a practical framework for automating secure and policy-controlled USDT payouts. Read the full guide here.
Throughout July, Stable continued to expand access to StableChain while strengthening the infrastructure available to users, traders, developers, and institutions.
Institutional & Compliance
Chainalysis extended automatic token support to Stable. Institutions and businesses can now seamlessly monitor assets, screen addresses, and investigate transactions with real-time KYT monitoring without manual token onboarding. Learn more here.
Cactus Custody integrated with Stable, enabling institutions to securely store, manage, and transact assets on StableChain through institutional-grade custody infrastructure. Learn more here.
Philidor Labs went live on Stable, providing independent risk scores, TVL, and live lending data for Morpho vaults, including StableEarn. Learn more here.
Agentic Payments & Industry Conversations
Stable joined the collaborative Agentic Payment Whitepaper “Building the Value Transfer Layer for the AI Economy”, initiated by Interlace together with seven ecosystem partners including Stable, was officially released. The whitepaper outlines a shared network of secure, compliant, and interoperable AI-native payment systems, with Stable powering the USDT-native settlement layer for agentic payments. Learn more here.
Our CEO, Brian Mehler, appeared on the Stabledash podcast to discuss stablecoin adoption, institutional use cases, payment infrastructure, and the regulatory developments shaping the industry. Learn more here.
Stable partnered with Billions Network to bring verified identity to the agentic payments stack on Stable, combining trusted identity for AI agents with Stable’s payment infrastructure. Learn more here.
Our CEO, Brian Mehler, participated in a KuCoin X Space alongside the launch of StablePay, discussing global payments, AI, and the growing onchain economy. Learn more here.
Meme Season & Trading Platforms
Stable was added to GeckoTerminal (by CoinGecko), allowing users to explore tokens, pools, liquidity, and trading activity across the ecosystem in real time. Learn more here.
GMGN.ai went live with Stable support for token discovery and trading, with app support coming soon)
Ave fully integrated StableChain, enabling users to trade meme tokens and other assets directly through their platform. The Ave × Stable Trading Competition with 8K+ USDT in rewards is now live. Learn more here.
Based now supports Stable, allowing users to swap tokens on StableChain directly on Based. Learn more here.
Strong community activity around memecoins drove record transaction volume. Check out our tweet to learn more.
As activity across StableChain and StablePay continues to grow, our focus remains on strengthening the infrastructure and products required to support stablecoin payments at scale.
Upcoming work remains focused on:
Stable will be a sponsors KBW 2026, connecting with builders, partners, and institutions across the ecosystem.
StablePay: Continuing to improve the product experience and expanding the ways users can fund, send, receive, earn, and withdraw USDT.
StableChain performance: Advancing protocol improvements focused on higher throughput, more efficient transaction processing, and greater predictability under sustained demand.
Ecosystem growth: Strengthening integrations across wallets, exchanges, custody providers, analytics platforms, and trading applications.
Developer ecosystem: Expanding the Stable SDK, technical documentation, and Stable Build resources for payment and treasury applications.
Stable remains focused on building the infrastructure and products that make global USDT payments faster, simpler, and more accessible.
Documentation: https://docs.stable.xyz
Mainnet Hub: https://hub.stable.xyz
StablePay: https://www.stablepay.to/
Blog: https://blog.stable.xyz
X: @Stable
Community: https://discord.gg/stablexyz
Thank you for building with Stable.
The next issue of The Stable Standard will arrive next month.