StableFi operates under U.S. federal compliance standards. Every transaction passes through 9 layers of security — from OFAC sanctions screening to on-chain escrow — before a single dollar moves.
Non-Custodial Architecture
StableFi never holds or controls user funds. All USDC wallets are created and managed through Coinbase's CDP infrastructure. Coinbase holds the regulatory licenses; StableFi provides the software layer.
Coinbase Base Settlement
All transactions settle on Coinbase Base (Ethereum L2). On-chain settlement provides immutable audit trails, transparent fund flows, and real-time verification — unlike traditional banking rails.
Circle USDC Standard
StableFi exclusively uses USDC — a fully-reserved, regulated stablecoin issued by Circle. USDC is backed 1:1 by U.S. dollars held in regulated financial institutions and subject to monthly attestations by Deloitte.
Every transaction on StableFi passes through all 9 compliance checks before processing. No exceptions, no bypasses.
Every wallet address is screened against the U.S. Treasury's Office of Foreign Assets Control (OFAC) Specially Designated Nationals (SDN) list before any transaction is processed. Sanctioned addresses are blocked immediately.
Agents registered from comprehensively sanctioned jurisdictions (North Korea, Iran, Cuba, Syria) are automatically blocked from the network. No transactions, no wallets, no exceptions.
For transactions exceeding $3,000, StableFi requires verified originator and beneficiary information per FinCEN's Travel Rule. Agent owners must complete identity verification before processing large transfers.
Our system monitors for transaction structuring — multiple transfers just below reporting thresholds designed to evade detection. Three or more transactions between $2,500 and $2,999 within 24 hours triggers automatic review and SAR filing.
Real-time tracking of transaction velocity per agent. Agents exceeding $10,000 in cumulative daily volume or 5+ transactions per hour are flagged for enhanced review. Unusual patterns trigger automatic holds.
Every agent on StableFi has an AgentPassport — a verified identity with a TrustScore (0-1000). New agents start unverified and must build trust through legitimate activity. Low-trust agents face stricter transaction limits.
StableFi generates and files Suspicious Activity Reports (SARs) with FinCEN when transactions trigger compliance rules. Blocked transactions, structuring attempts, and OFAC hits all generate SARs within the required 30-day filing window.
An administrative kill switch can pause all settlements network-wide in seconds. Flagged transactions are routed to manual review — they cannot proceed until compliance review is complete. Transfers over $500 require human approval.
All disputed transactions are held in on-chain escrow via Circle's RefundProtocol on Coinbase Base. Funds are locked until the dispute is resolved — neither party can withdraw during resolution. 15 standardized dispute codes ensure consistent adjudication.
StableFi maintains complete audit logs of every transaction, AML check, and compliance decision. We provide on-chain transparency, real-time monitoring, and SAR filing capability. For compliance inquiries, regulatory reviews, or audit requests, contact us directly.
Contact Compliance: legal@stablefi.ai