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How stablecoin deposits work

Learn how to fund your Cardtonic USD Wallet using USDT or USDC, including supported networks, fees, and processing time.

Fund your USD Wallet with USDT or USDC from an external wallet or exchange and use your USD balance across Cardtonic.

Before you deposit

Make sure you:

  • Select a supported stablecoin (USDT or USDC)

  • Select the correct supported network

  • Use the deposit address provided in your USD Wallet

Please note: A stablecoin deposit fee of 0.5% applies on every deposit. The minimum deposit amount and fee are displayed on the “Add Money” screen before you confirm. Sending an unsupported token or using the wrong network may result in the loss of your funds.

How to make a deposit

  1. Open your USD Wallet and tap “Add Money”.

  2. Select “Stablecoin”.

  3. Select USDT or USDC and choose your network.

  4. Generate a wallet address.

  5. Review the minimum deposit amount and fee.

  6. Copy your deposit address or scan the QR code.

  7. Send the amount from your external wallet.

Once the transaction receives the required blockchain confirmations, your USD balance will be updated automatically.

How long does it take?


Most deposits are processed within a few minutes. The exact time depends on the blockchain network and its current activity.

What can I do with my USD balance?


Once your deposit is confirmed, your USD balance can be used across Cardtonic to:

  • Fund your Virtual Dollar Card

  • Buy gift cards

  • Pay bills

  • Purchase eSIMs

  • Shop on Just Gadgets

  • Convert to other supported currencies

Please note: KYC is required to fund your USD Wallet via stablecoins. Contact support via in-app chat if your deposit has not been credited.

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