Curable composition comprising a stable, water dispersible, curable polymer containing a sterically hindered alkoxylated silane group at 0.1 to 75 weight percent of the total composition; a water dispersible or water soluble, hydrolytically stable organotin catalyst, at 0.1 to 10 weight percent of the total composition; and water at 99.8 to 24.9 weight percent of the total composition are taught herein. These compositions are useful as adhesives, sealants and paints. The compositions have improved properties including solvent resistance, adhesion, hardness, abrasion resistance and mar resistance. Particular catalysts for use herein include mercaptoalcohol, mercaptide and sulfide forms of diorganotins having either a Sn--S or Sn.dbd.S bond, and include dibutyltin dimercaptide and dibutyltin bis(1-thioglycerol).