Built for freelancers

Get paid in stablecoins, cash out anywhere.

Receive earnings from Upwork, Fiverr, Deel and freelancer.com in stablecoins. Cash out to your local bank, pay suppliers from invoices, or send money home to family — all from a single wallet.

Works with Upwork Fiverr Deel freelancer.com

Create your account See how it works

Three primitives. Endless workflows.

Stop thinking of us as a wallet. Think of us as money infrastructure with three composable pieces.

Payin

Virtual account in your name. Receive payouts from Upwork, Fiverr, Deel, freelancer.com — auto-converted to USDC or USDT on arrival, 24/7.

Payout

Cash out to bank, send remittance home, or pay a supplier — across 8 local rails. Sub-60-second settlement on most corridors.

Orchestrate

Programmable rules. Threshold-based payouts, scheduled remittances, multi-rail splits — set once, runs forever.

Eight rails, one wallet

Get paid in stablecoins. Cash out to bank or pay locally — across eight rails worldwide.

Today8,412payouts

Volume$1.8Mcashed out

Active rails8worldwide

Run money as code.

Express your earnings policy as a set of rules. The wallet does the rest.

Example: "keep 30% in USDC as savings, cash out the rest in BRL via PIX whenever I earn more than 100 USDC."

Conditional transfers · escrow · multi-rail splits · approval steps · scheduled remittances — all expressible.

// One-time setup, runs forever
await stableark.orchestrate.create({
  trigger: { on: "platform_payout" },
  rules: [
    {
      if: { amount_above: "100 USDC" },
      do: [
        { hold: "30%", in: "USDC" },
        { swap: "remaining", to: "BRL" },
        { payout: { rail: "pix" } }
      ]
    }
  ]
});

Sample journeys

How freelancers route earnings across rails and corridors.

Sample scenario

Maria · Mexico City

Illustrator · Upwork

Maria's design client in Berlin pays a 1,200 USD invoice. She receives it as USDC, swaps to MXN, and the funds land in her BBVA Bancomer account via SPEI in 11 seconds.

Earned1,200 USDC

Paid out21,400 MXN

Sample scenario

Lucas · São Paulo

Video editor · Fiverr

Lucas finishes a 650 USD wedding video edit for a US couple. The Fiverr payout hits his wallet as USDT. He pays 480 BRL to his cinematographer via PIX and keeps the rest.

Earned650 USDT

Sent via PIX480 BRL

Sample scenario

Folake · Lagos

Illustrator · freelancer.com

Folake sends a monthly remittance to her mum in Kano. She holds her earnings as USDC and converts 80,000 NGN to her mum's bank via NIBSS — 1.2% fee instead of Western Union's 6%.

Earned920 USDC

Sent home80,000 NGN

Sample scenario

Ana · Manila

Technical writer · Deel

Ana's US tech employer pays her through Deel. She receives 3,200 USDC each month, keeps most as savings, and pays for her co-working space in PHP via InstaPay.

Salary3,200 USDC/mo

Spends~22,000 PHP/mo

Today. And what's next.

Real numbers, not vanity metrics. Honest about what's live versus on the roadmap.

payment rails at launch

blockchain networks supported

24/7

on-chain settlement

stablecoins · USDC, USDT

Networks live: Ethereum, Solana, Base, Polygon.

Rails live: USD ACH, USDC, USDT, SEPA, MXN SPEI, PIX, GBP FPS, NGN NIBSS.

On the roadmap: INR UPI, PHP InstaPay, IDR, AED, KES M-Pesa, plus EUR SCT Inst across all SEPA countries.

Common questions

Everything we've been asked. If something's missing, ask us at hello@stableark.io.

How does StableARK work?

We give freelancers and contractors a single wallet that connects to the major freelance platforms (Upwork, Fiverr, Deel, freelancer.com). You receive payouts as stablecoins (USDC or USDT), then hold, swap, or cash out to your local bank — across 8 payment rails worldwide.

Which freelance platforms are supported?

We support Upwork, Fiverr, Deel, and freelancer.com via their public payout APIs and direct bank-account integrations. The exact integration list will be confirmed in upcoming releases.

What is a stablecoin and why hold one?

A stablecoin is a digital token pegged 1:1 to a real-world currency — typically the US dollar. USDC is issued by Circle and USDT by Tether. They let payments settle on-chain in seconds, 24/7, and your balance keeps its dollar value while you decide when to cash out.

How fast is cash-out to my local bank?

Domestic rails like SEPA Instant (EU), PIX (Brazil), SPEI (Mexico), Faster Payments (UK), NIBSS (Nigeria), InstaPay (Philippines), UPI (India), and FedNow (US) typically clear in under 60 seconds. Some routes use day-end batch settlement and may take a few hours.

What are the fees?

We're still finalising public pricing. Our target is to be at least 50% cheaper than incumbent platform-withdrawal and remittance fees, with transparent per-transaction costs and no hidden FX margins. Full schedule in upcoming releases.

Are you regulated?

StableARK is operated by Nova Skill Edge Limited, a UK company (Companies House registered). We are working towards FCA Electronic Money Institution registration and crypto-asset registration under the UK Money Laundering Regulations 2017. The orchestration platform is live today; our own EMI registration will add direct services.

What happens to my funds if you go out of business?

When we are live as an FCA-registered EMI, customer funds will be safeguarded in segregated accounts at UK-regulated banks under the Electronic Money Regulations 2011 — separate from our operating funds. Stablecoin balances are held with regulated custody partners. Customer funds are safeguarded with our licensed banking and custody partners.

Do I need ID verification (KYC)?

Yes — eventually. To meet UK anti-money-laundering rules, any production wallet will require basic ID verification (government ID + selfie) before you can hold or move funds, plus extra checks for larger transactions. The free account signup needs only your email, name, and country.

Can I send money to my family?

Yes — that's a core use case. We support direct local-rail remittances in supported corridors (NGN, MXN, BRL, PHP, INR, and more). Your family receives funds in their local currency, in their existing bank account, usually in under a minute.

My country isn't on your supported list yet. What now?

Sign up with your email and country anyway. We prioritise new corridors based on demand from real users. The more freelancers in your country join, the faster we can ship support for it.

Stable when it matters.

Built so you can scale without scaling your risk. Honest about what's live, planned, and roadmap.

Identity (KYC)

Live via Sumsub. Government ID + selfie verification at account creation. Orchestrated to UK MLR 2017 standards.

Live

Sanctions screening

Live via licensed partners. Real-time PEP, OFSI, OFAC, UN, EU screening. On-chain address attribution at every routing event.

Live

Transaction monitoring

Live via partner network. Risk scoring, velocity rules, anomaly detection, travel-rule data exchange — wired into the orchestration layer.

Live

Audit log

Every event logged, tamper-evident. Exportable to your compliance team.

Live

OWASP-grade headers

8 hardened response headers. Strict CSP. No third-party trackers. Verify.

Live

FCA EMI

Electronic Money Institution registration with the UK FCA.

In progress

UK MLR 2017

Crypto-asset firm registration under UK money-laundering regulations.

In progress

SOC 2 Type II

Annual independent audit of security, availability, confidentiality.

Roadmap

All systems operational · 24/7/365 monitoring

Real-time status page · coming with launch

UK Companies House

Nova Skill Edge LimitedSearch our registration

FCA Financial Services Register

Search the registerEMI authorisation tracking

UK ICO

Information Commissioner's OfficeData-protection regulator

StableARK is an orchestration layer on top of regulated banking and custody infrastructure. We don't custody customer funds ourselves — those are held with licensed partners. Sample journeys above are illustrative, showing how the platform routes payments end-to-end. Full Terms, Privacy Policy, and regulatory framework are linked below.

Regulatory disclaimer

© 2026 StableARK is a financial technology company, not a bank. We do not provide virtual accounts, payment cards, custody, cryptocurrency exchange, or asset-custodian services. On-ramp and off-ramp services are provided by licensed partners. Availability of services may vary by jurisdiction and is subject to regulatory approval. We provide banking-like services through stablecoins.

Operated by Nova Skill Edge Limited, registered in England & Wales, registered office 128 City Road, London, EC1V 2NX, United Kingdom. See our Risk Disclaimer and Legal hub for the full picture.