Your Everyday Account is now on Stellar

Here's the short version: your Everyday Account just got an upgrade. It now runs on Stellar, a network built specifically for moving value like USDC around the world, quickly and cheaply. Your balance is safe and your Earn deposits are untouched. There's one quick choice to make about your existing USDC, and we'll walk you through it.

If you want the longer version (what Stellar is, what's changed, what hasn't, and why we chose it), read on. We'll keep it clear.

First, what's Stellar?

Reasonable question if this is the first you're hearing of it.

Stellar is an open, public blockchain: a network for moving value directly between people and businesses, without routing through the usual chain of intermediaries. It launched in 2014 and is looked after by a nonprofit, the Stellar Development Foundation.

Two things are worth knowing up front. It was built specifically for payments and stablecoins, not as an all-purpose platform for every kind of app. And it's well established: it carries around 10 million accounts, and it's the network a lot of well-known names in finance quietly rely on. (We'll get to who.)

What this means for your balance (short answer: it's safe, and it's your call)

First, the important part: your USDC is safe either way. What changes is where it lives, and that part is your call.

When your Everyday Account moves to Stellar, you'll have two options for the USDC you currently hold on Base:

• Keep it in your Everyday Account. Move your balance over and it's swapped from USDC on Base to USDC on Stellar, for free. Same amount, new network. (Available outside the EU.)
• Keep it on Base, in the Crypto tab. Prefer to leave it as is? Your USDC on Base moves to the Crypto tab, where it stays yours and fully accessible. Your Everyday Account will just show a zero balance until you top it up again.

Either way, the same USDC is still yours. You're just deciding where to keep it and how to move it. All operation like send, receive, top-up and withdraw will be still available for USDC on all supported chains.

Using Earn? Your deposited USDC on Base stays exactly where it is and keeps doing what it was doing. The vault doesn't move, and neither does your position.

So, why Stellar?

Here's the part worth getting a little excited about. We chose Stellar on purpose, and it makes your account better in ways you'll actually feel.

Most blockchains are general-purpose, built to do a bit of everything, from trading to collectibles to apps. Base, where your Everyday Account balance used to live, is a capable one.

But an Everyday Account has one main job: moving USDC. And Stellar was built for almost exactly that.

It's a network designed from day one for payments and stablecoins: the plumbing for sending value across borders, quickly and cheaply. A few things that means in practice:

• Transactions settle in around five seconds. Not "eventually." Seconds.
• The block confirmation is final – no option to change it, withdraw the transaction after pre-confirmation, set and done. This protects you from scammers.
• Network fees are a fraction of a cent, and they don't rise and fall with another network's congestion the way gas fees can.
• Stablecoins like USDC and EURC are native to Stellar, issued directly by Circle. Not wrapped, not bridged.
• The network has run for over a decade with 99.99% uptime. For something you keep a balance in, that kind of boring is the good kind.

For an account you actually use (to hold, send, and spend USDC), that's a better fit. Less friction, less cost, less waiting.

A shared idea of what crypto is for

There's also a bigger reason, and it's the one we care about most.

Stellar's stated mission is "equitable access to the global financial system." Ours is simpler, but it points in the same direction: make crypto usable for actual people, not just the people already fluent in it. Fewer recovery phrases and minor panic attacks. More things that simply work.

A network built for cross-border payments, in the corridors where moving USDC is genuinely hard, is a network building toward the same thing we are. That alignment is a big part of why Stellar made sense.

You're in good company

Stellar isn't a quiet corner of crypto. It's where a lot of serious finance has quietly been happening.

• Franklin Templeton runs the first U.S.-registered mutual fund to use a public blockchain. It runs on Stellar. WisdomTree, with over $100 billion under management, offers a suite of tokenized funds there too.
• MoneyGram lets people turn cash into USDC and back across 170+ countries, using Stellar as the rails.
• Circle issues USDC and EURC natively on the network, Visa added Stellar to its stablecoin settlement platform, and PayPal brought its PYUSD stablecoin there.

And it's not all institutions. Since Stellar added smart contracts, a real on-chain ecosystem has grown up around it: lending through Blend, liquidity through Aquarius, and trading through names like SushiSwap, alongside billions of dollars in tokenized real-world assets. In other words: room to do more than hold a balance, whenever you decide you want to.

Take a look

That's the news. Your Everyday Account is now on Stellar: same balance, faster network, lower fees, and a mission we're glad to share.

Have a look around. You're in control, as always.

We're rolling this out gradually, so if you don't see the new experience in your app yet, it'll be there soon.

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Ramp Swaps (Ireland) Limited trading as Ramp Network is regulated by the Central Bank of Ireland.

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Using self-custodial wallet including send feature: