Four networks.
You are asked about none of them.
Underneath, your money moves over public payment networks — the same infrastructure a bank wire uses, except open and running at three in the morning on a Sunday. Which of the four your money is on at any moment is a routing decision, and routing decisions are our job, not yours.
Where your money actually settles
Four, chosen for different reasons, and the app moves between them for you. Each one is public: anyone can verify a payment happened without asking us.
Base
Where most of what you do ends up. Cheap enough that moving small amounts is not absurd, fast enough that a payment feels like a payment. Part of what your Savings balance is supplied to.
Solana
The fastest of the four and the cheapest to send on, which makes it the default for everyday payments between people. Confirmation is close enough to instant that the app does not bother showing you a spinner.
Polygon
Cheap, long-established, and widely accepted by the businesses and payroll providers that pay people in dollars. The other half of where Savings goes to work.
Ethereum
The oldest and the most expensive, and still where large amounts and institutional counterparties prefer to settle. We support it because the money that arrives from a company often arrives here, not because we would route you through it by choice.
The dollars we support
A stablecoin is a digital dollar issued by a company that holds real assets behind it. You can hold any of these; the app adds them up and shows you one figure in the currency they are pegged to, because “$8.00” is more useful than three rows that sum to it.
Not every one of these exists on all four networks, and the app only offers you the combinations that actually work. You will never be shown a route that cannot complete.
What we do not control
The limit
A network having a bad day is a bad day for your payment.
These networks are run by nobody in particular, which is the source of most of their good properties and all of this one. When one is congested, transactions cost more and take longer; in rare cases a network has stopped producing blocks for a period. We route around a struggling network where the money is somewhere that allows it, and where it is not, your payment waits.
This is a real difference from a bank, and not always in the bank’s favour: the same openness means there is no closing time, no cut-off, and no bank holiday.
The limit
Money sent on a network we do not support does not arrive.
If someone pays you on a fifth network, or in a token that is not on the list above, it will not show up in the app — it is not lost, it is at an address the app does not read. Give people your username and this cannot happen, because the app hands them a destination that works.
The limit
The dollars are only as good as the companies issuing them.
Each stablecoin is a claim on a real company holding real assets. They are regulated in various places and audited to varying standards, and the large ones have held their peg through several bad weeks in the market. But it is a company, not a government, and that company can freeze an address holding its token. Holding more than one issuer is one reason the app lets you.
The questions people actually ask
Do I have to pick a network?
No. In the default view you never see them at all — you have a dollar balance, and when you pay someone the app works out where the money is, where it needs to go and what the cheapest way to do that is. If you want the controls, one setting in the app gives you every network in view and the routing decision in your hands.
Someone is paying me. What do I give them?
Your username. The app resolves it to whatever address is right for the network they are sending from, so they do not have to get it right and neither do you. If they insist on an address, the app will give you one for the network they asked about.
Are all these dollars the same?
Close enough for spending, not identical underneath. Each is issued by a different company backing it in a different way — some hold cash and short-term government debt, others work differently. They all aim at one dollar and they trade at one dollar. The app shows you one balance because that is how you think about your money, and the app tells you what you are holding if you ask.
Why is EURC the only euro?
Because it is the only euro stablecoin with enough depth to be worth holding — an account balance you cannot convert or spend without a bad price is not a feature. Euro income lands as euros through the bank rails; it does not have to become EURC to reach you.
Can I hold things that are not dollars?
Yes, and you can put money into a wider range of assets through Invest. What this page is about is the money that behaves like money — the balance you get paid into, save from and spend.
Keep reading
Who holds your money
What it means that the money is in your name, what we can never do to it, and the one case where that stops being the whole story.
How your account is protected
Passkeys, your PIN, two-factor, recovery codes and the list of devices signed in. What each one actually stops.
Who pays the network fee
Moving money on these networks costs something. Most of the time we pay it. Here is exactly when we stop.
Three ways to see one account
The same balance shown as plain dollars, as the dollars you actually hold, or with every network in view. You pick.