Limits
Stables applies verification-based limits to all accounts. Limits are determined by the customer’s verification level.
Verification controls how much a customer can transact, which corridors they can access, and which payment rails are available. This ensures AML/CTF compliance, reduces fraud risk, and aligns with banking and payment partner requirements.
How Limits Work
Limits are applied based on the customer’s current verification status.
Limits may apply to:
- Per-transaction amount
- Daily volume
- Monthly volume
- Corridor access
- Rail-specific caps (ACH, SEPA, FPS, etc.)
Stables abstracts rail-level complexity, but limits may vary depending on corridor and risk profile.
Limits by Verification Level
Unverified
Unverified customers cannot execute outbound payments.
Base Verification
Designed for low-friction onboarding with controlled exposure.
- Lower per-transaction limits
- Lower daily and monthly caps
- Limited corridor access
- Restricted access to certain fiat rails
Enhanced Verification
Unlocks higher limits and broader payment capability.
- Higher per-transaction limits
- Increased daily and monthly caps
- Expanded corridor access
- Access to regulated fiat rails
Business Verification (KYB)
Business accounts receive materially higher limits and expanded capabilities.
- Large per-transaction caps
- High daily and monthly ceilings
- Broad corridor access
- Access to treasury and bulk payout flows
Limits may scale based on business risk profile and historical activity.
Limit Enforcement
If a transaction exceeds an applicable limit, the API will return an error response. For example, you may receive a 400 error indicating that the monthly limit has been exceeded for the user.
In certain scenarios, instead of failing immediately, the transaction may be placed into a review state until the customer completes sufficient verification or provides additional compliance documentation.
Limits are always evaluated at execution time, even if a quote was successfully generated.
Illustrative Example
The following example demonstrates how limits may differ across verification levels. These values are illustrative only and do not represent actual Stables limits.
Base Verification
- Up to $1,000 per transaction
- Up to $3,000 per day
- Limited corridor access
Enhanced Verification
- Up to $10,000 per transaction
- Up to $25,000 per day
- Access to SEPA and ACH rails
Business Verification (KYB)
- Up to $100,000 per transaction
- Up to $500,000 per day
- Access to high-volume treasury flows
Higher verification unlocks higher limits and broader access.