Supported Assets
Primary Settlement Asset
| Asset | Network | Decimals |
|---|---|---|
| USDC | Base (primary), + 8 other chains | 6 |
USDC is the primary settlement currency for Encrypto. All card transactions, P2P transfers, and balance displays denominate in USDC.
Base is the primary settlement layer for three reasons:
- Sub-cent transaction fees. L2 gas costs are negligible, so micro-transactions are practical.
- Coinbase ecosystem alignment. Base inherits Coinbase's institutional liquidity and fiat on/off-ramp infrastructure.
- EVM compatibility. Standard ERC-20 tooling, no proprietary smart contracts, no vendor lock-in.
Supported Stablecoins
Encrypto supports the following stablecoins for deposits, transfers, and conversion:
| Stablecoin | Networks |
|---|---|
| USDC | All 9 chains |
| USDT | Ethereum, Tron, Solana, Polygon, Avalanche |
| DAI | Ethereum, Base |
| PYUSD | Ethereum, Solana |
| EURC | Ethereum, Base |
Supported Fiat Currencies
Encrypto's payment infrastructure handles fiat conversion and delivery across multiple payment rails:
| Currency | Code | On-Ramp | Off-Ramp | Rail | Speed |
|---|---|---|---|---|---|
| US Dollar | USD | Yes | Yes | ACH | 1-3 days |
| Brazilian Real | BRL | Yes | Yes | PIX | Instant |
| Mexican Peso | MXN | Yes | Yes | SPEI | Minutes (rolling out) |
| Argentine Peso | ARS | Yes | Yes | CVU | Rolling out |
Encrypto provisions virtual USD deposit accounts via Bridge — users get dedicated account numbers for receiving fiat without leaving the app.
Spend Any Crypto (via Liquidity Engine)
Encrypto's Liquidity Engine enables spending from any asset with sufficient on-chain liquidity — not just USDC. When you make a purchase, the engine evaluates the optimal conversion path in real time through multiple DEX aggregators and market makers.
How It Works
- User initiates a $50 purchase with their Encrypto Card
- Liquidity Engine checks the user's portfolio composition
- If the user holds ETH, SOL, or any supported token, the engine calculates the best execution path
- Asset is converted to USDC at the best available rate across aggregated liquidity
- USDC settles to the card network
- User sees a clean "$50.00" transaction — no slippage details, no routing complexity
Supported Conversion Assets
Any ERC-20 or SPL token with sufficient DEX liquidity on supported chains can be used as a funding source. The Liquidity Engine enforces minimum liquidity thresholds and maximum slippage tolerances to protect users from poor execution.
| Parameter | Value |
|---|---|
| Max slippage tolerance | 1.0% |
| Min pool liquidity | $50,000 TVL |
| Execution window | < 3 seconds |
| Price source | Aggregated across 4 providers |
Assets that don't meet these thresholds are excluded from the available spending pool and the user is notified.
Deposit Addresses
Each Encrypto account has deposit addresses on:
- EVM chains (Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche)
- Solana
- Stellar
- Tron
Deposits are detected automatically across all 9 chains and credited to the user's balance after network confirmation. No manual bridging required.