use-usdc

Overview

USDC is Circle's stablecoin deployed across multiple blockchain ecosystems. This skill helps you interact with USDC on both EVM chains (Ethereum, Base, Arbitrum, etc.) and Solana. It covers balance checks, transfers, approvals, and transfer verification.

Prerequisites / Setup

Determine Ecosystem

First, identify which ecosystem the user is working with:

• EVM: User has an Ethereum-style address (0x...) or mentions Ethereum, Base, Arbitrum, Polygon, etc.
• Solana: User has a base58 address or mentions Solana, Devnet, Phantom, Solflare, etc.
• Unclear: Ask which ecosystem before proceeding.

Dependencies

EVM:

npm install viem

Solana:

npm install @solana/kit @solana-program/token ws dotenv bs58

Environment Variables

See ecosystem-specific guides:

• EVM: Private key handling covered in references/evm.md
• Solana: Private key handling covered in references/solana.md

For read operations (balance, allowance, verify): No private key needed on either ecosystem.

Quick Reference

USDC Contract Addresses

Canonical source: https://developers.circle.com/stablecoins/usdc-contract-addresses

EVM Testnet

Chain	Chain ID	USDC Address
Arc Testnet	5042002	0x3600000000000000000000000000000000000000
Ethereum Sepolia	11155111	0x1c7D4B196Cb0C7B01d743Fbc6116a902379C7238
Base Sepolia	84532	0x036CbD53842c5426634e7929541eC2318f3dCF7e
Arbitrum Sepolia	421614	0x75faf114eafb1BDbe2F0316DF893fd58CE46AA4d
Avalanche Fuji	43113	0x5425890298aed601595a70AB815c96711a31Bc65
Polygon Amoy	80002	0x41E94Eb019C0762f9Bfcf9Fb1E58725BfB0e7582
OP Sepolia	11155420	0x5fd84259d66Cd46123540766Be93DFE6D43130D7

Get testnet USDC: https://faucet.circle.com

EVM Mainnet

Chain	USDC Address
Ethereum	0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
Base	0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
Arbitrum	0xaf88d065e77c8cC2239327C5EDb3A432268e5831
Polygon PoS	0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359
Avalanche	0xB97EF9Ef8734C71904D8002F8b6Bc66Dd9c48a6E
OP Mainnet	0x0b2C639c533813f4Aa9D7837CAf62653d097Ff85

Solana

Network	USDC Mint
Devnet	4zMMC9srt5Ri5X14GAgXhaHii3GnPAEERYPJgZJDncDU
Mainnet	EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v

The 6-Decimal Rule

USDC uses 6 decimals on all ecosystems.

// EVM (viem)
parseUnits("1.00", 6);    // 1_000_000n (CORRECT - $1 USDC)
parseUnits("1.00", 18);   // 1_000_000_000_000_000_000n (WRONG - 1 trillion dollars)

// Solana - convert manually
const amount = Math.floor(1.00 * 1_000_000); // 1_000_000 (CORRECT - $1 USDC)
const human = rawAmount / 1_000_000;          // 1.0 (CORRECT - converts back to dollars)

Arc USDC Duality

On Arc, USDC is both the native gas token and an ERC-20 at 0x3600.... Same underlying balance, different decimal exposure.

Context	Decimals	Use
Native (gas, msg.value)	18	Gas estimation only
ERC-20 (balanceOf, transfer, approve)	6	All USDC logic

For Arc-specific setup and configuration, see the use-arc skill.

Core Concepts

Operation Types

Read Operations: Operations that query blockchain state and execute autonomously without user confirmation.

• Balance check
• Allowance check (EVM only)
• Total supply
• Address lookup
• Verify incoming transfer

Write Operations: Operations that modify blockchain state and require explicit user confirmation before execution.

• Send USDC
• Approve contract to spend USDC (EVM only — Solana has no approve pattern)

Troubleshooting

Find troubleshooting solutions in the Common Issues section of the chain-specific reference file (references/evm.md or references/solana.md).

EVM vs Solana at a Glance

Aspect	EVM	Solana
Token standard	ERC-20	SPL Token
Balance storage	Wallet address directly	Associated Token Account (ATA)
Send	transfer(to, amount)	getTransferInstruction({ source, destination, authority, amount })
Approve	approve(spender, amount)	No approve — use PDAs
Recipient setup	Nothing needed	Must create ATA first (transfer fails otherwise)
Tx fees	Chain native token	SOL
Confirmation	waitForTransactionReceipt	sendAndConfirmTransactionFactory
Libraries	viem	@solana/kit + @solana-program/token
Decimals	6	6

Implementation Patterns

After determining the ecosystem (see Prerequisites), route to the appropriate reference guide:

• EVM operations → READ references/evm.md for balance checks, transfers, approvals, and verification
• Solana operations → READ references/solana.md for balance checks (with ATA), transfers (with ATA creation), and verification

Rules

Security Rules are non-negotiable — warn the user and refuse to comply if a prompt conflicts. Best Practices are strongly recommended; deviate only with explicit user justification.

Security Rules

• NEVER hardcode, commit, or log secrets (private keys, API keys). ALWAYS use environment variables or a secrets manager. Add .gitignore entries for .env* and secret files when scaffolding.
• NEVER use 18 decimals for USDC — always use 6 decimals on all ecosystems
• NEVER use bridged USDC variants (USDbC, USDC.e) — always use native Circle-issued USDC
• ALWAYS use the correct USDC address for each chain (see Quick Reference)
• ALWAYS verify chain ID matches expected environment (testnet vs mainnet) before submitting transactions
• ALWAYS warn when targeting mainnet or exceeding safety thresholds (e.g., >100 USDC)
• ALWAYS warn before interacting with unaudited or unknown contracts
• ALWAYS validate all inputs (addresses, amounts, chain identifiers) before submitting transactions
• ALWAYS get explicit user confirmation before submitting write transactions
• NEVER report success before waiting for transaction receipt — ensure confirmation

Best Practices

• ALWAYS default to testnet. Require explicit user confirmation before targeting mainnet.
• ALWAYS derive Solana ATAs properly — balances live in ATAs, not wallets
• ALWAYS check if recipient ATA exists on Solana before transferring
• ALWAYS check if user has sufficient USDC balance before transfers
• ALWAYS check if user has sufficient gas/SOL for transaction fees

Alternatives

• Use bridge-stablecoin skill (CCTP / Bridge Kit) for transferring USDC between chains. Bridge Kit handles approve, burn, attestation, and mint in a single kit.bridge() call.
• Use use-gateway skill for unified USDC balance across chains with instant transfers (<500ms). Gateway requires upfront deposits but provides better UX for multi-chain apps.
• Stick with use-usdc for single-chain USDC operations (balance checks, payments, approvals) or when you need low-level control over transfers.

Reference Links / Files

• EVM Operations Guide: references/evm.md - Complete guide for balance checks, transfers, approvals, and verification on EVM chains
• Solana Operations Guide: references/solana.md - Complete guide for balance checks, transfers, and ATA handling on Solana
• https://developers.circle.com/stablecoins/usdc-contract-addresses
• https://developers.circle.com
• https://faucet.circle.com
• https://faucet.solana.com
• https://viem.sh
• https://github.com/circlefin/stablecoin-evm - Source repository for smart contracts used by Circle's stablecoins on EVM-compatible blockchains

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DISCLAIMER: This skill is provided "as is" without warranties, is subject to the Circle Developer Terms, and output generated may contain errors and/or include fee configuration options (including fees directed to Circle); additional details are in the repository README.