USD Coin (USDC) Wallet App

A free, self-custody USDC wallet. Hold, send and receive USD Coin on Ethereum, Polygon and Stellar, buy USDC in the app, put it to work in Earn, and keep the keys on your own device. No account and no login to create.

Phone with the Bitcoin.com Wallet app on screen and USD Coin (USDC) tokens floating in the air around it

Trusted since 2015

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Years in business

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Wallets created

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How to create a USDC wallet in 5 steps

Download the Bitcoin.com Wallet

Get the app from the App Store or Google Play, or scan the QR code on this page to send the download straight to your phone.

Create a new wallet

Open the app and set up a wallet. There is no USDC account to open, no login and no identity check before you can start.

Secure and back up the wallet

Turn on the passcode and biometric protection your device supports, then complete the backup in the app so you can restore access if you lose or replace your phone.

Add USDC and pick the network

Search for USDC and choose the network you want to use: Ethereum, Polygon or Stellar. Each has its own address, and the sender has to use the same one. Stellar also needs an XLM wallet in the app first.

Receive USDC

Share your address or QR code to receive USDC, or transfer it in from an exchange on the network you selected.

Which USDC wallet is right for you?

Most people start with a self-custody mobile wallet: it is free, takes minutes to set up, and you hold the keys from day one. What matters most for USDC is that the wallet supports the network your USDC is on.

Self-custody

An app on your phone. Good for holding digital dollars you control, sending and receiving them, and using USDC across more than one network.

Browser wallet

Runs as an extension in a desktop browser. Useful if you use USDC in DeFi applications often and mostly from a computer.

Hardware wallet

A separate device that keeps the keys offline. Suited to larger USDC balances held for the long term and moved rarely.

Exchange custody

Convenient for trading, and some exchanges pay rewards on USDC balances, but the exchange holds the keys and can restrict withdrawals.

What is a Blockchain?: Understanding the Technology Behind Cryptocurrencies

SAME TICKER, SEPARATE NETWORKS

USDC on Ethereum, Polygon and Stellar are three separate balances with two different address formats. USDC on Solana, Base, Arbitrum or any other network cannot be received in this wallet, and on Polygon the bridged token USDC.e is not the same asset as USDC. On Stellar, deposits to an exchange usually also need the memo the exchange gives you. Check the network before anything is sent.

✓ Network selected ✓ Receiver supports it ✓ Address and Stellar memo checked

Keep your USDC safe

Check network

USDC lives on many chains. Match the sender's network to the one your wallet is using, and on Stellar include the memo an exchange gives you.

Back it up

Lose your phone, not your dollars. Keep your wallet backup somewhere private and secure so you can restore access on a new device.

Watch approvals

Earn products and DeFi apps ask you to approve a contract before it can move your USDC. Read what you are authorising, and revoke approvals you no longer use.

Know what USDC is

It is a claim on Circle's reserves, not an insured bank deposit, and Circle can freeze addresses when legally required. Self-custody protects your keys; it does not change the token.

Get the USDC wallet app

Free on iOS and Android. Create a self-custody USDC wallet in minutes, with no account or login, and hold your own keys.

Frequently asked questions

What is a USDC wallet?

A USDC wallet is an app that holds the private keys controlling your USD Coin, a stablecoin issued by Circle and designed to be worth one US dollar. In a self-custody wallet like the Bitcoin.com Wallet you hold the keys; on an exchange, the exchange does.

Is a USDC wallet the same as a USD wallet?

Not quite. A USDC wallet holds digital dollars in token form that you control and can send anywhere in minutes. A USD wallet at a bank or fintech holds dollars on deposit. You cannot pay cash directly into a USDC wallet: you buy USDC, receive it from someone, or transfer it in from an exchange.

Is there a USDC login or account?

No. USDC is a token, not a service you sign in to. You create a wallet in the app with no account, no signup and no identity check, and your keys stay on your device.

How do I create a USDC wallet?

Download the Bitcoin.com Wallet, create a wallet and back it up, then add USDC and choose the network: Ethereum, Base, Polygon or Stellar. You can receive USDC straight afterwards. The five steps are set out in full above.

Which networks does the Bitcoin.com Wallet hold USDC on?

Ethereum, Base, Polygon and Stellar. USDC held on a network the app does not support cannot be received here, so send it to a wallet that supports that network instead, or move it across with a bridge or an exchange first.

What does a USDC wallet address look like?

On Ethereum, Base and Polygon it starts with 0x and is 42 characters long. On Stellar it starts with G and is 56 characters long, and deposits to an exchange usually also need a memo. The address alone does not tell a sender which network to use, so always say which one you are on.

What is USDC.e, and is it the same as USDC?

No. USDC.e is a bridged version of USDC that exists on Polygon and some other networks from before Circle issued native USDC there. It trades near $1, but it is a different token with a different contract, and an exchange or wallet that lists one may not accept the other. Check which one a sender or service is using.

How much is 1 USDC worth?

USDC is designed to hold a value of one US dollar, and it trades within a fraction of a cent of that in normal conditions. It briefly fell to about $0.87 in March 2023. You can check the live rate on our USDC market page.

Is USDC safe, and what backs it?

USDC is backed by cash at regulated banks and short-dated US government assets held in a segregated reserve, with monthly attestation reports published by Circle. It is not an insured deposit, its price depends on Circle honouring redemptions, and it can be frozen at specific addresses when legally required. Our dedicated USDC page goes into the reserves and the risks.

Can Circle freeze USDC in my wallet?

Yes. Circle can block specific addresses when required by law or a court order, and USDC at a blocked address cannot be moved, even in a self-custody wallet. This is rare and targeted, but it is a property of USDC itself rather than of any particular wallet.

Can I earn interest on USDC in the wallet?

You can put USDC into Earn, then USDC Staking, inside the app, where it is lent through a smart contract at a variable rate and can be withdrawn at any time without penalty. Rewards are paid in USDC and compound automatically, and you need a little ETH in the wallet to cover the transaction. It is a DeFi lending product with smart-contract risk, not a savings account, and it is not insured.

How do I buy USDC, and how do I cash it out?

Buy USDC in the app with a card, payment app or bank account and it arrives in a wallet you control: see our buy USDC page. Cashing out works in reverse where selling is supported for you, from the sell crypto page. Swapping USDC for another crypto stays on-chain and does not produce cash.

What happens if I send USDC on the wrong network?

It can be difficult or impossible to recover. Ethereum, Base and Polygon addresses look identical to each other, Stellar deposits to exchanges need a memo, and USDC sent on a network the receiving wallet does not support is usually lost. Confirm the network, and on Stellar the memo, before every send.

Which USDC wallet is best for beginners?

A self-custody mobile wallet is a practical starting point: it is free, takes minutes to set up, keeps receiving and sending USDC in one app, and leaves the keys with you. Hardware wallets suit larger balances held long term, and exchange accounts suit active traders.

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What is a USDC wallet, and is it a USD wallet?

USDC, or USD Coin, is a stablecoin issued by Circle and designed to hold a value of one US dollar. A USDC wallet is the app that manages the private keys controlling your USDC. It is not a bank account: there is no USDC login, no one to open an account with, and no dollars on deposit. What you hold is a token that Circle promises to redeem for dollars, sitting on a public blockchain, and the wallet is how you control it.

People search for a "USD wallet" or a "dollar wallet app" and usually mean one of two things. If you want a place to hold digital dollars that you control and can send anywhere in minutes, a USDC wallet is that. If you want to deposit cash from your bank and hold it as dollars, that is a bank or fintech account, not this. You cannot pay dollars into a USDC wallet directly: you buy USDC, receive it from someone, or move it in from an exchange.

USDC exists on many blockchains, and the same ticker on two networks is two separate balances. The Bitcoin.com Wallet holds USDC on Ethereum, Base, Polygon and Stellar. On Ethereum, Base and Polygon it is an ERC-20 token held at an address starting with 0x; on Stellar it is a Stellar asset at an address starting with G. Every network charges its own fee in its own coin, so a little ETH, POL or XLM has to sit in the same wallet before USDC can move. Transactions on Ethereum, Base or Polygon can be looked up on Etherscan, Basescan or Polygonscan, and Stellar transactions on a Stellar explorer.

Two things about USDC that no wallet can change. Circle publishes monthly reserve attestations and the peg has held closely in normal conditions, but USDC briefly traded at about $0.87 in March 2023 when one of the banks holding its reserves failed. And Circle can freeze USDC at specific addresses when it is legally required to, even in a self-custody wallet. Holding your own keys protects you from losing access to the wallet; it does not change what the token is. Our dedicated USDC page covers the reserves, the peg and the 2023 depeg in detail.