Building with Stablecoin Accounts

Launch global stablecoin accounts in days, not months. All with enterprise-grade security and the speed your users deserve.

Introduction

After speaking with 100+ fintech teams, one thing became clear: they want to build with stablecoins, but most don’t know where to start and feel overwhelmed by crypto’s complexity. That’s why we’re launching Stablecoin Accounts—the fastest way to bring a global money app to market.

Whether you’re building an onchain neobank, trading platform, or remittance app, Stablecoin Accounts give you the tools to launch without stitching together multiple vendors. Built for security and speed, Stablecoin Accounts use MPC wallets and SOC 2 Type II compliant infrastructure to keep digital dollars safe while moving at the speed your users expect.

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Why Stablecoin Accounts?

The demand for programmable money is rising, but the infrastructure hasn’t caught up. Teams are held back by fragmented vendors, compliance headaches, and limited developer tools. Stablecoin Accounts abstract away this complexity, letting you focus on what matters: building products your users need.

The opportunity has never been clearer: monthly mobile wallet users are up 23% year-over-year, and stablecoin volume has surged 49%, reaching over $700B in monthly transactions. With sub-second settlement and near-zero fees, stablecoins are becoming the go-to rails for modern payments.

Who is this for?

• Payment infrastructure providers
• Trading apps
• Neobanks
• Payroll/contractor platforms
• Remittance apps

What you get:

• Launch wallet-based experiences in minutes
• Enable global payments from day one
• Support the stablecoins your users actually use
• Handle on-ramps and off-ramps without the overhead
• Offer secure and flexible recovery with sub-second signing using TSS-MPC
• Integrate seamlessly with external financial partners
• Build with prebuilt components or custom UI

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Core Features

Wallet Generation with OAuth, Email, and SMS

We provide TSS-MPC embedded wallets that can be created using OAuth, email, and SMS. These are secure, non-custodial wallets that can be used to send and receive stablecoins. This helps you build a consumer app where users won’t even know they’re using a wallet.

We currently support embedded wallets for all EVM chains, Solana, and SUI. Our infrastructure is built to handle scale and has powered high-growth launches across multiple verticals.

You can configure the OAuth providers and the email and SMS providers in your dashboard, then wire them up with the JavaScript SDK in a few lines. The SDK is headless — you render the auth UI in your own components and call the SDK’s auth functions on submit.

JavaScript

npm i @dynamic-labs-sdk/client @dynamic-labs-sdk/evm

src/dynamicClient.js

import { createDynamicClient } from "@dynamic-labs-sdk/client";
import { addEvmExtension } from "@dynamic-labs-sdk/evm";

export const dynamicClient = createDynamicClient({
  environmentId: "YOUR_ENVIRONMENT_ID",
  metadata: { name: "My App", universalLink: window.location.origin },
});

// Extension functions take NO arguments. Add addSolanaExtension() from
// @dynamic-labs-sdk/solana or addSuiExtension() from @dynamic-labs-sdk/sui
// here too if you support those chains.
addEvmExtension();

React

npm i @dynamic-labs-sdk/client @dynamic-labs-sdk/evm @dynamic-labs-sdk/react-hooks @tanstack/react-query

src/dynamicClient.ts

import { createDynamicClient } from "@dynamic-labs-sdk/client";
import { addEvmExtension } from "@dynamic-labs-sdk/evm";

export const dynamicClient = createDynamicClient({
  environmentId: "YOUR_ENVIRONMENT_ID",
  metadata: { name: "My App", universalLink: window.location.origin },
});

// Extension functions take NO arguments. Add addSolanaExtension() from
// @dynamic-labs-sdk/solana or addSuiExtension() from @dynamic-labs-sdk/sui
// here too if you support those chains.
addEvmExtension();

src/main.tsx

import { createRoot } from "react-dom/client";
import { QueryClient, QueryClientProvider } from "@tanstack/react-query";
import { DynamicProvider } from "@dynamic-labs-sdk/react-hooks";

import { App } from "./App";
import { dynamicClient } from "./dynamicClient";

const queryClient = new QueryClient();

createRoot(document.getElementById("root")!).render(
  <QueryClientProvider client={queryClient}>
    <DynamicProvider client={dynamicClient}>
      <App />
    </DynamicProvider>
  </QueryClientProvider>
);

QueryClientProvider must sit outside DynamicProvider — every hook in @dynamic-labs-sdk/react-hooks uses TanStack Query internally.

Full walkthrough in the JavaScript Quickstart or the React Quickstart (JS SDK). To build the login screens themselves, see Email & SMS OTP sign-in and Social OAuth redirect handling. Moving an existing app off @dynamic-labs/sdk-react-core? Start with Migrating from the React SDK.

Transferring Stablecoins Between Wallets

Stablecoins are ERC-20 tokens (or SPL tokens on Solana, or coin objects on SUI) — transferring them is a normal contract call on the wallet client the JS SDK gives you. On EVM, get a Viem WalletClient for a wallet account with createWalletClientForWalletAccount, then call the token’s transfer function.

To simulate, review, send, and confirm a transfer, see Transaction confirmation & simulation. For lower-level chain references see EVM signing, Solana signing, and SUI signing. The Sending USDC recipe walks through the same EVM flow with JavaScript and React examples side by side.

To take this a step further, you can associate a wallet with a user’s email address or phone number, so users can transfer stablecoins to other users without having to know their wallet address. See Sending USDC by email or phone for the full pattern.

On-Ramp and Off-Ramp Services

We provide native support for on-ramp services such as Banxa, Coinbase, Crypto.com, and MoonPay, which allows your users to buy stablecoins with fiat currency.

Crypto.com is currently in limited beta. Please contact support if you’re interested in early access.

It’s as simple as going to the dashboard and enabling the on-ramp service you want to use.

For a code walkthrough of plugging Coinbase Onramp into your app with the JS SDK, see Buying USDC. To build the full add-funds menu across MoonPay and Coinbase, see Funding flows.

Secure Account Recovery with TSS-MPC

All Stablecoin Accounts support seamless recovery using TSS-MPC (Threshold Signature Scheme Multi-Party Computation). In a standard 2-of-2 setup, one key share is stored on the user’s device and one is encrypted by Dynamic. When logging in on a new device, recovery happens automatically without user friction.

Optional features like password protection and cloud backups upgrade the wallet to a 2-of-3 setup, enabling flexible recovery paths and full key export without relying on Dynamic. This provides multiple recovery options while maintaining security and user control.

To learn more about TSS-MPC, check out the Embedded Wallets overview.

Integration with External Financial Partners

We have an extensive list of trusted financial partners that make building stablecoin apps easier and can be easily integrated with Dynamic. While Dynamic doesn’t issue fiat or virtual accounts directly, we make it easy to connect with third-party providers for seamless integration between your crypto product and the fiat systems your users rely on.

Global Payment Support

Stablecoin Accounts are built to support teams with users across different countries and regions. Whether your users are in LATAM, Europe, Asia, the U.S., or across multiple regions, we’ve got you covered. This helps you stay compliant, localize onboarding, and integrate with fiat partners wherever your users are.

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Get Started

The world deserves better money apps. Go from idea to launch in days, not months.

• Start building: docs
• Create your free developer account: app.dynamic.xyz
• Need help? Join our Slack or email [e-mail]
• Book a call with us: Book a call

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Ready to build?
Dynamic Stablecoin Accounts let you focus on your product, not the plumbing. Ship global, secure, and compliant money apps—fast.