Your money, working harder

Move money faster, save money on fees, and put your savings to work, all with the security of your community bank.

Sign In to Your AccountAsk Your Bank About StableNow

Benefits

Banking that works for you

Earn yield on your stablecoins

Stake your USDIO stablecoins and earn competitive annual yield — currently 3.50% APR. Your rewards are calculated daily and visible in your dashboard.

Yield is set by the Heleos network and may change.

Send money in seconds

Transfer USDIO to anyone at any participating bank — instantly. No wire fees, no waiting days for settlement. Just fast, digital money movement.

Available between all StableNow partner banks.

Backed by your bank

StableNow is offered through your community bank, not a crypto exchange. Your relationship stays with your banker. Your assets are backed by US Treasury bonds.

USDIO is a GENIUS Act compliant stablecoin.

How It Works

Get started in three simple steps

No app downloads, no crypto wallets, no complexity.

01

Your Bank Activates StableNow

Your community bank enables StableNow and invites you to create your account. No separate app download, it lives inside your banking experience.

02

Swap USD for Digital Assets

Convert dollars to USDIO stablecoins or digital assets directly through your bank or on the StableNow portal, just like any other bank service.

03

Your Money, Your Way

Transfer money instantly with no wire fees. Stake to earn rewards or direct them toward your mortgage. Access your full portfolio 24/7 through your portal.

Your Digital Assets

What you can do with StableNow

Products designed for you, available through your local bank.

Digital Dollar

USDIO Stablecoin

A digital dollar you can move in seconds, not days. Backed 1:1 by US Treasury bonds and cash. No wire fees, no bank hours, no waiting. Always worth $1.00.

  • Send money instantly between banks
  • Backed 1:1 by US Treasury bonds and cash
  • Earn rewards by staking your USDIO
  • GENIUS Act compliant

Native Utility Token

OS Token

The token that powers the Heleos blockchain. Buy OS directly through your bank, stake to earn rewards, or transfer across the Heleos ecosystem, including participating exchanges and DeFi platforms. Your bank is the onramp. The ecosystem is yours to explore.

  • Stake to earn rewards and secure the network
  • Buy through your bank, use anywhere in the ecosystem
  • Transfer to exchanges and DeFi platforms
  • Powers all StableNow products and services

Mortgage Accelerator

EquityLayer

Get a mortgage through a StableNow partner bank and we start working for you immediately. StableNow stakes tokens on your behalf and directs the rewards straight to your wallet, at Tier 1, it costs you nothing.

  • StableNow stakes on your behalf, free at Tier 1
  • Rewards directed to your wallet automatically
  • Self-stake to pay down your principal even faster
  • Higher tiers available for accelerated rewards

Your assets are protected

StableNow is built for regulated institutions.

Bank-Regulated

Offered through your regulated community financial institution

Secure Access

Your account is protected with bank-level encryption and secure login

Full Transparency

See every transaction in your account — nothing hidden, everything tracked

Always Available

24/7 access to your portfolio and transaction history

Don't have StableNow yet?

Ask your community bank manager about adding StableNow to their digital banking services. It's free to use, your bank handles everything.

Here's what to ask:

1

Does our bank offer StableNow or USDIO stablecoins?

2

Can I earn yield on my deposits through a stablecoin program?

3

How do I get started with digital asset services at our bank?

Already have an account?

Sign In