Deposit USDC or USDT From Anywhere: Same Address, Any Chain
·5 min readOne address. Two tokens. Every major EVM chain.
Minisend is stablecoin payment and settlement infrastructure for traders, freelancers, and African businesses. Your deposit address accepts USDC and USDT across every major EVM chain, using the same 0x address on every one of them, plus a Solana address issued alongside it. No bridging, no swapping, no "wait, which network did I send that on?"
Whatever you send lands as spendable USDC in roughly a minute, in a single balance. It does not convert to local currency on arrival: it sits there, earning, until you decide to settle.
What's new
Until now, Minisend accepted USDC across a handful of chains. Today we're adding USDT alongside it, and broadening the chain list significantly.
We accept USDC from any of these chains: Arbitrum, Avalanche, Base, Codex, EDGE, Ethereum, HyperEVM, Ink, Linea, Monad, Morph, Optimism, Plume, Polygon, Sei, Sonic, Unichain, World Chain, and XDC.
We accept USDT from any of these chains: ADI, Arbitrum, Aurora, Avalanche, Base, Bera, BNB Chain, Ethereum, Gnosis, Monad, Optimism, Plasma, Polygon, Scroll, and XLayer.
That is 27 distinct EVM chains across the two tokens. The 0x address is the same on every one of them. Open the deposit modal in the app and you'll see one QR code, one address to copy, and the list of networks where it works.
Solana is supported as well, for both USDC and USDT. Solana is not an EVM chain, so it cannot share the 0x address: you get a separate Solana address issued alongside it. Deposits to either address land in the same balance and settle as spendable USDC on Base.
How to use it
- Open Minisend and tap Deposit on the home screen.
- Copy your Minisend address, or scan the QR code from another wallet.
- Send USDC or USDT from any supported chain.
- Within about a minute, your balance updates with spendable USDC. You'll get an email confirming it landed.
- From there, settle part or all of it to local currency, or leave it to earn yield automatically.
That's it. No bridge to operate. No swap to confirm. No second transaction to chase.
Built on our own settlement rails
Our routing engine runs two paths under the hood, and both are ours:
- For USDC, we burn the token on the source chain and mint a fresh native USDC on the destination. No wrapped tokens, no third-party bridge, no extra hops. It's USDC the whole way.
- For USDT, and for everything arriving from Solana, we route through our cross-chain swap layer. It quotes a price, accepts the token at a deposit address, and delivers spendable USDC in 30-50 seconds. Auto-refunds if anything fails to fill, and spreads on stablecoin pairs stay tight.
Either way, you don't manage anything. You send. We route. Stablecoins land where you can spend them.
Why this matters
If you've ever held stablecoins across multiple chains, you know the small but constant friction of remembering which network your money is on. "Is it Polygon? Or Arbitrum? Did I send that to the right address?" Cross-chain UX has been the rough edge of crypto for years.
The fix isn't to ask people to remember more. It's to make remembering unnecessary. One address, any chain you can think of, the same outcome. That's how it should have worked the whole time.
For traders moving stablecoins between venues and freelancers getting paid onchain, every one of those flows now lands in the same place, and converts to local currency on the same screen. You don't think about chains. You think about how much, and where you want it next.
What shipped since
The B2B version of this primitive is live. Businesses can issue a deposit address per user, customer, or order through the Wallet API, with the same idempotent behaviour: one reference in, the same address back every time, no private keys on your side.
Solana arrived after this post first went out, which is why it sits alongside the 0x address rather than behind it. More chains keep landing as new routing paths come onto our rails, and the point of the design is that none of them require you to learn a new address.
Try it
Open Minisend, tap Deposit, and you'll see the modal with USDC and USDT both above the QR code. Send a small amount first if you want to feel the speed. The swap usually completes faster than the email confirming it lands.
Same address. Any chain. USDC or USDT. That's it.
Frequently asked questions
- Can I use the same address for USDC and USDT?
- Yes. One 0x address accepts USDC across 19 EVM chains and USDT across 15, and it is the same string on every one of them. Solana is the exception, because it is not an EVM chain: you get a separate Solana address issued alongside the 0x one, and deposits to either land in the same balance.
- Do I need to pick a chain before depositing?
- No. Send from whichever chain your stablecoins already sit on. Minisend detects the source chain and routes the deposit on its own settlement rails. There is no chain selector, no bridge step, and no wrapped token to unwind at the other end.
- How long does a deposit take to become spendable?
- Roughly a minute in most cases. USDC on Base starts settling immediately. USDC from another supported EVM chain takes a few minutes. USDT, and anything arriving from Solana, converts to spendable USDC in 30 to 50 seconds.
- Does my deposit convert to local currency automatically?
- No. Routing across chains is automatic; conversion is not. The deposit credits as USDC and stays in a single balance, earning 5.7% APY while idle, until you choose to settle part or all of it to mobile money or a bank account.
- What happens if I send from a chain Minisend does not support?
- Move the funds to a supported chain first. Coverage is 27 distinct EVM chains across the two tokens plus Solana, which is broad but not universal, and the chain lists are published rather than implied. Check the list before sending from anywhere unusual.