Supported Stablecoins

Paycrest supports three stablecoins across nine blockchain networks (seven EVM chains plus Starknet and Tron). Use the GET /tokens endpoint for the live list including contract addresses, decimals, and network availability.

Stablecoin Overview

Stablecoin	Networks	Base Currency	Notes
USDT	Ethereum, Base, Arbitrum One, Polygon, BNB Smart Chain, Lisk, Celo, Starknet, Tron	USD	Most widely supported
USDC	Ethereum, Base, Arbitrum One, Polygon, BNB Smart Chain, Lisk, Celo, Starknet	USD	Regulated, high security standards
cNGN	Ethereum, Base, Polygon, BNB Smart Chain	NGN	Stablecoin pegged to the Nigerian Naira

Support Matrix

Stablecoin	Ethereum	Base	Arbitrum One	Polygon	BNB Smart Chain	Lisk	Celo	Starknet	Tron
USDT	✅	✅	✅	✅	✅	✅	✅	✅	✅
USDC	✅	✅	✅	✅	✅	✅	✅	✅	❌
cNGN	✅	✅	❌	✅	✅	❌	❌	❌	❌

Contract Addresses

BNB Smart Chain USDT and USDC use 18 decimals — not 6. All other chains use 6 decimals for USDT and USDC. Always fetch the decimals value from the GET /tokens endpoint rather than hardcoding it.

USDT

Network	Contract Address	Decimals
Ethereum	`0xdAC17F958D2ee523a2206206994597C13D831ec7`	6
Base	`0xfde4C96c8593536E31F229EA8f37b2ADa2699bb2`	6
Arbitrum One	`0xFd086bC7CD5C481DCC9C85ebE478A1C0b69FCbb9`	6
Polygon	`0xc2132D05D31c914a87C6611C10748AEb04B58e8F`	6
BNB Smart Chain	`0x55d398326f99059fF775485246999027B3197955`	18
Lisk	`0x05D032ac25d322df992303dCa074EE7392C117b9`	6
Celo	`0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e`	6
Starknet	`0x068F5c6a61780768455de69077E07e89787839bf8166dEcfBf92B645209c0fB8`	6
Tron	`TR7NHqjeKQxGTCi8q8ZY4pL8otSzgjLj6t`	6

USDC

Network	Contract Address	Decimals
Ethereum	`0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48`	6
Base	`0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913`	6
Arbitrum One	`0xaf88d065e77c8cC2239327C5EDb3A432268e5831`	6
Polygon	`0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359`	6
BNB Smart Chain	`0x8AC76a51cc950d9822D68b83fE1Ad97B32Cd580d`	18
Lisk	`0xF242275d3a6527d877f2c927a82D9b057609cc71`	6
Celo	`0xcebA9300f2b948710d2653dD7B07f33A8B32118C`	6
Starknet	`0x033068F6539f8e6e6b131e6B2B814e6c34A5224bC66947c47DaB9dFeE93b35fb`	6

cNGN

Network	Contract Address	Decimals
Ethereum	`0x17CDB2a01e7a34CbB3DD4b83260B05d0274C8dab`	6
Base	`0x46C85152bFe9f96829aA94755D9f915F9B10EF5F`	6
Polygon	`0x52828daa48C1a9A06F37500882b42daf0bE04C3B`	6
BNB Smart Chain	`0xa8AEA66B361a8d53e8865c62D142167Af28Af058`	6

Network Configuration

When creating orders, specify the stablecoin and network using the token and network parameters (v1) or via the source/destination objects (v2). Use starknet for Starknet and tron for Tron.

v2 API (recommended)
v2 Starknet off-ramp
v2 Tron off-ramp
v1 API (legacy)

// Offramp: USDT on Base → NGN bank account
const order = {
  amount: "100",
  source: {
    type: "crypto",
    currency: "USDT",
    network: "base",
    refundAddress: "0xYourAddress"
  },
  destination: {
    type: "fiat",
    currency: "NGN",
    recipient: {
      institution: "GTBINGLA",
      accountIdentifier: "1234567890",
      accountName: "John Doe",
      memo: "Payment"
    }
  }
};

// Offramp: USDT on Starknet → NGN bank account
// refundAddress must be a Starknet address (0x + 63–64 hex chars)
const order = {
  amount: "100",
  source: {
    type: "crypto",
    currency: "USDT",
    network: "starknet",
    refundAddress: "0x046a056257607e1126a73b789bc6b56216e260261d4b54dd0809df46638bcbad"
  },
  destination: {
    type: "fiat",
    currency: "NGN",
    recipient: {
      institution: "GTBINGLA",
      accountIdentifier: "1234567890",
      accountName: "John Doe",
      memo: "Payment"
    }
  }
};

// Offramp: USDT on Tron → NGN bank account
// refundAddress must be a Tron Base58 address (starts with T)
const order = {
  amount: "100",
  source: {
    type: "crypto",
    currency: "USDT",
    network: "tron",
    refundAddress: "TYourTronWalletAddress............."
  },
  destination: {
    type: "fiat",
    currency: "NGN",
    recipient: {
      institution: "GTBINGLA",
      accountIdentifier: "1234567890",
      accountName: "John Doe",
      memo: "Payment"
    }
  }
};

// Offramp only: USDC on Base → NGN bank account
const order = {
  amount: "100",
  token: "USDC",
  network: "base",
  rate: "1500.50",
  recipient: {
    institution: "GTBINGLA",
    accountIdentifier: "1234567890",
    accountName: "John Doe",
    currency: "NGN",
    memo: "Payment"
  }
};

Starknet addresses are felt-sized hex strings (0x + 63–64 hex digits). Do not use EVM checksum formatting. The zero address is rejected.Tron addresses are Base58Check and start with T. Do not pass EVM 0x addresses when network is tron.

API Endpoints

GET /tokens — Live list of all supported stablecoins with contract addresses, decimals, and network identifiers
GET /rates — Get the current exchange rate for a token/amount/fiat pair

Always retrieve the decimals value from the API before constructing token transfer transactions. Do not hardcode decimal values, as BNB Smart Chain USDT and USDC use 18 decimals while all other supported networks use 6.

Getting Started

Core Concepts

Implementation Guides

Resources

Supported Stablecoins

Stablecoin Overview

Support Matrix

Contract Addresses

USDT

USDC

cNGN

Network Configuration

API Endpoints

​Stablecoin Overview

​Support Matrix

​Contract Addresses

​USDT

​USDC

​cNGN

​Network Configuration

​API Endpoints

Stablecoin Overview

Support Matrix

Contract Addresses

USDT

USDC

cNGN

Network Configuration

API Endpoints