Introducing Stable Balance for the Breez SDKIntroducing Stable Balance for the Breez SDK

In October 2025, bitcoin hit an all-time high of $126,000. By February, it had shed nearly half its value. None of that was bitcoin’s doing. Thank tariff wars, oil prices, and shifting monetary policy. The world moved, and bitcoin moved with it. That’s simply how decentralized price discovery in a free market works. But knowing why it happens doesn’t help when your balance is down 30%.

Of course, none of this matters much if you’re holding bitcoin for the long term. But if you’re trying to spend it today, or a merchant is trying to price a product this afternoon, that kind of movement is a big headache. It’s why many people still reach for dollars, euros, and stablecoins when they need their money to sit still.

Volatility is one of the biggest remaining barriers preventing bitcoin from being adopted as everyday money. It’s hard to spend or budget with a balance that’s constantly moving.

Stable Balance changes that.

What It DoesWhat It Does

Stable Balance is a new feature of the Breez SDK that lets users hold their balance in USD. When a user receives bitcoin, the SDK automatically converts the incoming sats to dollars. When they send bitcoin, it converts back to sats on the fly. The user sees a dollar balance that holds its value, and they can still send and receive bitcoin just like always.

No new wallets, no extra steps. Users can toggle Stable Balance on or off at will. Turn it on, and incoming sats convert to USD automatically. Turn it off, and the dollar balance converts back to bitcoin. That’s it. When developers enable the feature, conversions happen quietly in the background.

How It WorksHow It Works

The dollar balance is backed by USDB, a stablecoin issued by Brale and native to Spark.

When a conversion needs to happen, the SDK routes it through Flashnet, a decentralized exchange built on Spark. The Breez SDK handles the rest, managing each conversion from start to finish so developers don’t have to. None of this complexity surfaces to the user. They just see a dollar balance that stays where it should.

As a bonus, holding USDB earns yield paid daily in bitcoin, with no lockups or extra steps required. The full details are in Spark’s USDB documentation. But the core value proposition is as simple as can be: a user’s $50 balance is still worth $50 tomorrow.

Why This MattersWhy This Matters

A user sending remittances to loved ones cannot afford a 5% swing between deposit and withdrawal. A freelancer invoicing in bitcoin doesn’t want to worry about what the dollar equivalent will be when rent is due. A neobank integrating bitcoin wants to offer stability to users who think in their local currency.

While traditional banking and payment apps offer stable balances, your money remains stuck in that system. Frozen accounts, blocked payment pathways, and withdrawal limits are all structural trade-offs that shape any user experience built on top of them. Stable Balance in the Breez SDK combines the, well, stable balance of tradfi apps with the freedom to move value instantly, across any border, without depending on anyone in between.

Stable Balance also meets users where they are. It doesn’t ask anyone to change how they think about money. It gives them a dollar-denominated balance that rides on bitcoin’s rails, all while preserving the speed, cost structure, and non-custodial properties of the Breez SDK.

For developers, integration is straightforward. Stable Balance takes a few lines of code to configure and is available in all major languages and frameworks. Everything you need to get started is in our Breez SDK documentation.

The Future of Bitcoin UX Is HereThe Future of Bitcoin UX Is Here

Every feature the Breez SDK ships is in service of the same goal: bitcoin in every app. And to make that happen, bitcoin must work for real users in everyday products. Passkey Login removed the need for a seed phrase. Stable Balance removes the price volatility. Piece by piece, we’re tearing down the barriers that stood between bitcoin and everyday use.

Our reference app Glow is already running Stable Balance, and it’s available now for every developer building with the Breez SDK. Price volatility was one of the last major UX barriers standing between bitcoin and the mainstream. Now it’s optional.