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Spend

Shop and spend seamlessly with USDC

Make purchases with regulated¹ digital dollars that transcend borders and maintain stable value.

Start spending USDC with

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A better way to pay starts with USDC

Stable

Unlike many digital assets, USDC’s steady value makes it easy to spend.

Near-instant

Make payments in seconds, eliminating checkout processing time.

Global

Digital dollars can be spent worldwide without the need for currency conversion.

Secure

USDC transactions are stored onchain, making them ultra tamper-resistant.

Compatible

USDC is widely supported by payment platforms and an increasing number of merchants.

Put your digital dollars to work

Online shopping

Book travel, support creators, pay for subscription services, and so much more on online platforms that support digital dollars.

Brick and mortar

Make purchases seamlessly at one of the growing number of shops that accept USDC.

DeFi gaming

Purchase virtual goods, skins, or access premium content on blockchain-based games and metaverse platforms where USDC is used as currency.

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There are so many ways to spend with USDC

Debit card

Link a crypto debit card directly to your digital wallet and use it to spend your digital dollars wherever debit cards are accepted, with automatic conversion to local currencies.

Credit card

Settle transactions in USDC with a crypto credit card wherever credit cards are accepted, and pay off your balance at the end of each payment cycle.

Prepaid card

Control your spending with prepaid cards preloaded USDC. Top up your card with additional digital dollars whenever you want.

Digital wallet

Pay directly from your digital wallet by delivering USDC directly to merchant wallet addresses that accept digital currency.

HOW TO SPEND

Make smooth digital payments

Buy

Purchase USDC on an exchange by using fiat currency or other cryptocurrencies.

Store

Withdraw USDC to a non-custodial wallet or link to a crypto-powered card.

Spend

Use your digital dollars to pay merchants online or in person that accept USDC.

Shop. Drop. Roll.

Get started

Get USDC

Laptop showing a payment screen with options to pay with USDC via a wallet

Shop. Drop. Roll.

Get started

Get USDC

The digital dollar is better for customers

It’s also better for businesses. Maison Ikkoku is a great example of how customers can leverage the universal benefits of the digital dollar. Find out why this global restaurant prefers when their patrons pay with USDC.

EXPLORE THE ECOSYSTEM

This easy guide shows you how to buy USDC with Ripio.

Learn more

How to

min read

How to Buy USDC on Ripio

This easy guide shows you how to buy USDC with Ripio.

Learn more

FAQs

USDC can be spent at a growing number of merchants worldwide — both online and in physical stores — that accept digital currency payments.

Additionally, using a crypto debit or credit card linked to your USDC balance, or a crypto prepaid card loaded with USDC, enables you to spend USDC wherever major payment cards are accepted, effectively broadening your spending options to millions of locations globally.

It’s important to review the fee structures of the wallets, cards, and platforms you use to understand any costs involved. Fees may vary depending on how you spend USDC:

Digital wallet transactions: Sending USDC directly from your wallet may incur blockchain network fees (gas fees), which vary based on network congestion and the blockchain used.
Crypto cards: Some crypto debit or credit card providers may charge fees, such as issuance fees, transaction fees, or currency conversion fees.‍
Exchange fees: If you need to convert other cryptocurrencies or fiat currency to USDC before spending, exchanges may charge conversion fees.

USDC transactions are generally processed quickly, often within seconds to a few minutes, depending on the blockchain network’s speed and congestion. Confirmation times can vary, so it's advisable to check the network status if speed is critical.

Refunds in USDC operate similarly to traditional refunds but involve digital currency transactions:

Refund request: Initiate a refund with the merchant according to their refund policy.
Provide wallet address: You may need to provide your wallet address to receive the refund.
Processing: The merchant will send the USDC back to your wallet.
Confirmation: Once the transaction is confirmed on the blockchain, the refunded amount will appear in your wallet.

Processing times can vary, and network fees may apply. Always check the merchant's terms regarding refunds.

Check with your wallet provider or card issuer to understand any applicable limits. Spending limits can depend on:

Wallet or platform restrictions: Some wallets or services may impose daily or per-transaction limits.
Crypto card limits: Payment cards often have spending limits based on your account level or verification status.‍
Regulatory requirements: Local laws may require limits on transaction amounts, especially for unverified accounts.

USDC transactions are recorded on public blockchains, meaning transaction details like wallet addresses and amounts are visible. However, personal identities are not directly linked to wallet addresses unless revealed by the user.

Have other questions? Contact us at [email protected]