> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paycrest.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported Stablecoins

> Complete list of supported stablecoins and their network availability

Paycrest supports three stablecoins across eight blockchain networks. Use the [GET /tokens](/api-reference/general/list-supported-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, Scroll | USD           | Most widely supported                   |
| **USDC**   | Ethereum, Base, Arbitrum One, Polygon, BNB Smart Chain, Lisk, Celo, Scroll | 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 | Scroll |
| ---------- | -------- | ---- | ------------ | ------- | --------------- | ---- | ---- | ------ |
| **USDT**   | ✅        | ✅    | ✅            | ✅       | ✅               | ✅    | ✅    | ✅      |
| **USDC**   | ✅        | ✅    | ✅            | ✅       | ✅               | ✅    | ✅    | ✅      |
| **cNGN**   | ✅        | ✅    | ❌            | ✅       | ✅               | ❌    | ❌    | ❌      |

## Contract Addresses

<Warning>
  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](/api-reference/general/list-supported-tokens) endpoint rather than hardcoding it.
</Warning>

### 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        |
| Scroll          | `0xf55BEC9cafDbE8730f096Aa55dad6D22d44099Df` | 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        |
| Scroll          | `0x06eFdBFf2a14a7c8E15944D1F4A48F9F95F663A4` | 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):

<Tabs>
  <Tab title="v2 API (recommended)">
    ```javascript theme={null}
    // 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"
        }
      }
    };
    ```
  </Tab>

  <Tab title="v1 API (legacy)">
    ```javascript theme={null}
    // 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"
      }
    };
    ```
  </Tab>
</Tabs>

## API Endpoints

* **[GET /tokens](/api-reference/general/list-supported-tokens)** — Live list of all supported stablecoins with contract addresses, decimals, and network identifiers
* **[GET /rates](/api-reference/general/get-token-rate)** — Get the current exchange rate for a token/amount/fiat pair

<Note>
  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.
</Note>