/ Guides / Payments / Stablecoins

About stablecoins

Our stablecoin APIs enable you to accept USDC payments from customers worldwide. Payments are automatically converted to US dollars and credited to your Equals Money budget.

How it works

USDC (USD Coin) is a stablecoin — a digital currency pegged to the US dollar on a 1:1 basis. By integrating with our stablecoin APIs, you can accept USDC payments from customers on supported blockchain networks without needing to manage crypto wallets or blockchain infrastructure yourself.

When a customer sends USDC, the payment is automatically converted to USD and credited to your budget. The exchange rate is locked for one hour when you accept the payment, giving your customer time to complete the blockchain transfer.

Supported networks

USDC payments are supported on the following blockchain networks:

  • Ethereum
  • Polygon
  • Binance
  • Base
  • Solana
  • Arbitrum

Key details

  • Supported stablecoin: USDC (USD Coin)
  • Destination currency: USD
  • Minimum payment amount: 10 USDC
  • Exchange rate lock: 1 hour from acceptance

End-to-end workflow

  1. Create a remitter — Register the individual or business that will send you a payment
  2. Create a payment — Generate a payment request for a specific amount
  3. Accept the payment — Lock in the exchange rate (valid for 1 hour)
  4. Share the payment link — Send the blockchain payment link to your customer
  5. Monitor payment status — Poll GET /stablecoins/payments/{id} to track progress
  6. Payment completes — Once the status is COMPLETED , funds are available in your budget

Before you begin

Before making your first stablecoin API call, make sure you have the following:

  • API key — Provided during onboarding. See About the API for authentication details.
  • Account ID — Your accountId is required as a query parameter on all requests.
  • Budget ID — The budgetId for the budget that will receive the converted USD funds.
  • IP whitelisting — Your IP address must be whitelisted to access the API. See Whitelisting .
info

Remitters are the individuals or businesses that send you stablecoin payments. You may also see them referred to as "payers" in the API reference.

Manage stablecoin remitters

Create, manage, and view remitters (payers) who send you stablecoin payments

Manage stablecoin inbound payments

Create, accept, and monitor inbound USDC payments

Stablecoins tutorial

Follow a step-by-step tutorial to accept your first stablecoin payment