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A Stable wallet is an Ethereum-standard key pair. Any wallet library that produces an EVM account works on Stable without modification. This guide shows two paths: ethers.js for most applications, and Tether’s WDK (Wallet Development Kit) for integrations that want a turnkey self-custody layer for agents and payments.
No registration, no Stable-specific account setup. A wallet can immediately receive USDT0 from the testnet faucet or a mainnet transfer.

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Prerequisites

  • Node.js 20 or later.

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Option 1: ethers.js

Install the library and generate a key pair. 
npm install ethers

// wallet.ts
import { ethers } from "ethers";

const provider = new ethers.JsonRpcProvider("https://rpc.testnet.stable.xyz");

/** Create a new wallet for a new user. */
export function createWallet() {
  const wallet = ethers.Wallet.createRandom(provider);
  return {
    wallet,
    address: wallet.address,
    seedPhrase: wallet.mnemonic!.phrase, // show to the user once for backup
  };
}

/** Restore a wallet from a seed phrase (returning user). */
export function restoreWallet(seedPhrase: string) {
  const wallet = ethers.Wallet.fromPhrase(seedPhrase, provider);
  return { wallet, address: wallet.address };
}

if (import.meta.url === `file://${process.argv[1]}`) {
  const { address, seedPhrase } = createWallet();
  console.log("Address:    ", address);
  console.log("Seed phrase:", seedPhrase);
}

npx tsx wallet.ts

Address:     0xAlice...1234
Seed phrase: liberty shoot ... (12 words)
Never log or store the seed phrase in plain text in production. Encrypt it at rest, or use a secrets manager. ethers.Wallet.createRandom returns the phrase once per call — if you lose it, funds are unrecoverable.

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Option 2: Tether WDK

The WDK wraps key derivation, signing, and transaction submission into a single interface. It’s the right choice when you want self-custody without re-implementing common account flows, and it integrates directly with x402 for agent payments. 
npm install @tetherto/wdk @tetherto/wdk-wallet-evm

// wallet-wdk.ts
import WDK from "@tetherto/wdk";
import WalletManagerEvm from "@tetherto/wdk-wallet-evm";

function initWdk(seedPhrase: string) {
  return new WDK(seedPhrase)
    .registerWallet("stable", WalletManagerEvm, {
      provider: "https://rpc.testnet.stable.xyz",
    });
}

/** Create a new wallet for a new user. */
export async function createWallet() {
  const seedPhrase = WDK.getRandomSeedPhrase();
  const wdk = initWdk(seedPhrase);
  const account = await wdk.getAccount("stable", 0);
  return {
    account,
    address: await account.getAddress(),
    seedPhrase, // show to the user once for backup
  };
}

/** Restore a wallet from a seed phrase (returning user). */
export async function restoreWallet(seedPhrase: string) {
  const wdk = initWdk(seedPhrase);
  const account = await wdk.getAccount("stable", 0);
  return { account, address: await account.getAddress() };
}

npx tsx wallet-wdk.ts

Address:     0xAlice...1234
Seed phrase: liberty shoot ... (12 words)

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Fund the wallet

Before the wallet can transact, it needs USDT0 for gas. On testnet, request from the faucet: 
open https://faucet.stable.xyz
Paste the address and select the button to receive 1 testnet USDT0 (enough for thousands of native transfers). For mainnet, send USDT0 from any supported exchange or bridge; see Bridging to Stable.

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Check the balance

Native USDT0 uses 18 decimals. The native balance is the one gas is paid from. 
// balance.ts
import { ethers } from "ethers";

const provider = new ethers.JsonRpcProvider("https://rpc.testnet.stable.xyz");
const balance = await provider.getBalance("0xYourAddress");
console.log("Balance:", ethers.formatEther(balance), "USDT0");

npx tsx balance.ts

Balance: 1.0 USDT0

Delegate with EIP-7702

Add batch payments, spending limits, and session keys to this wallet.

Send your first USDT0

Native and ERC-20 transfers on the same balance.

Fund a testnet wallet

Faucet and Sepolia bridge options for larger test balances.
Last modified on April 23, 2026