Supported Assets
Primary Settlement Asset
| Asset | Network | Contract | Decimals |
|---|---|---|---|
| USDC | Base (Coinbase L2) | 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 | 6 |
USDC on Base is the primary settlement currency for Encrypto. All card transactions, P2P transfers, and balance displays denominate in USDC.
We chose Base 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.
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.
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 DEX 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 (on-chain + oracle) |
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)
- Solana
Deposits are detected automatically and credited to the user's balance after network confirmation.