Skip to main content

Cross-Chain Topup

Add funds to your reply.cash wallet from other blockchains using NEAR Intents. Transfer USDC, USDT, or other supported assets from Ethereum, Polygon, Arbitrum, Base, and 25+ other supported chains directly to your Solana wallet.

How It Works​

Cross-chain topup uses NEAR Intents to bridge assets from any supported blockchain to Solana. Your funds are automatically converted to native SOL USDC in your wallet. We do not custody your funds - all assets remain in your self-custodial wallet.

Step-by-Step Guide​

Step 1: Navigate to Deposit​

  1. Open the reply.cash app
  2. Navigate to "Deposit" or "Top Up" in the main menu
  3. You'll see options for different deposit methods

Step 2: Select Cross-Chain Deposit​

  1. From the deposit options, tap "Cross-Chain Deposit" or "Cross-Chain Topup"
  2. This will open the cross-chain deposit interface powered by NEAR Intents

Step 3: Choose Amount, Chain, and Asset​

  1. Enter the amount you want to deposit (in the source asset)
  2. Select the source chain (e.g., Ethereum, Polygon, Arbitrum, Base, etc.)
  3. Choose the asset you want to transfer (e.g., USDC, USDT, etc.)
  4. Review the estimated conversion rate and fees

Supported Chains Include:

  • EVM Chains: Ethereum, Polygon, Arbitrum, Base, BNB Chain, Optimism, Avalanche
  • Other Chains: Bitcoin, Litecoin, Dogecoin, Tron, XRP, Stellar, and more
  • See Supported Chains & Assets for the complete list

Supported Assets:

  • USDC (USD Coin)
  • USDT (Tether)
  • Other stablecoins (varies by chain)

Step 4: QR Code Appears​

  1. After selecting amount, chain, and asset, a QR code will automatically appear
  2. The QR code contains:
    • Destination address for your transfer
    • Amount to send
    • Chain and asset information
    • Transaction details

Step 5: Transfer from Another Wallet​

  1. Open your wallet on the source chain (e.g., MetaMask for Ethereum, Phantom for Solana, etc.)
  2. Scan the QR code or copy the destination address
  3. Send the exact amount of the selected asset to the provided address
  4. Ensure you're sending from the correct chain and correct asset as specified

Important:

  • Send the exact amount shown in the QR code
  • Use the correct source chain (e.g., if you selected Ethereum, send from Ethereum)
  • Send the correct asset (e.g., if you selected USDC, send USDC, not USDT)
  • Double-check the destination address before confirming

Step 6: Auto-Detection or Manual Confirmation​

Automatic Detection:

  • reply.cash will automatically detect when your funds arrive
  • The transaction status will update automatically
  • You'll see a confirmation notification

If Auto-Detection Doesn't Work:

  1. If funds don't auto-detect after a few minutes, tap "I Sent Funds" or "Confirm Transfer"
  2. This will trigger a manual check for your transaction
  3. The system will scan for your deposit and process it

Step 7: Auto-Swap to SOL USDC​

  1. Once your funds are detected, they will automatically swap to SOL USDC (native USDC on Solana)
  2. The swap happens through NEAR Intents automatically
  3. Your SOL USDC balance will update in your wallet
  4. You'll receive a confirmation notification

What Happens:

  • Your source asset (e.g., USDC on Ethereum) is bridged to Solana
  • Automatically converted to native SOL USDC
  • Deposited directly into your connected Solana wallet
  • No manual swap required

Important Notes​

Non-Custodial​

We do not custody your funds. All assets remain in your self-custodial wallet throughout the entire process. reply.cash only facilitates the cross-chain transfer and conversion.

Supported Chains & Assets​

Not all chains and assets are supported. Check the Supported Chains & Assets page for:

  • Complete list of supported blockchains
  • Available assets per chain
  • Address formats and requirements

Transaction Times​

  • EVM Chains: Typically 2-5 minutes
  • Bitcoin/Litecoin: 10-30 minutes (block confirmation time)
  • Other Chains: Varies by network congestion

Fees​

  • Network fees: You pay gas fees on the source chain to send the transaction
  • Bridge fees: Small fee for cross-chain bridging (shown before confirmation)
  • Swap fees: Minimal fee for converting to SOL USDC (included in conversion rate)

Minimum Amounts​

Each chain has different minimum deposit amounts:

  • Ethereum: Higher minimums due to gas costs
  • Polygon/Arbitrum/Base: Lower minimums (cheaper gas)
  • Check the app for current minimums per chain

Troubleshooting​

Funds Not Detected​

If your funds aren't auto-detected:

  1. Wait 5-10 minutes - Some chains take longer to confirm
  2. Click "I Sent Funds" - Manually trigger detection
  3. Verify transaction:
    • Check the transaction hash on the source chain explorer
    • Ensure the amount matches exactly
    • Verify the destination address is correct
  4. Check chain compatibility - Ensure you sent from the correct chain

Wrong Amount Sent​

  • If you sent a different amount than specified, the transaction may fail
  • Contact support with your transaction hash for assistance
  • You may need to send the correct amount in a new transaction

Wrong Chain or Asset​

  • If you sent from the wrong chain or wrong asset, contact support immediately
  • Include your transaction hash and details
  • Recovery may be possible depending on the situation

Transaction Stuck​

  • Check the source chain explorer for transaction status
  • Verify network congestion on the source chain
  • Wait for network confirmation before contacting support

Security Tips​

  • ✅ Always verify the QR code destination address
  • ✅ Double-check the amount before sending
  • ✅ Ensure you're sending from the correct chain
  • ✅ Use official reply.cash app only
  • ✅ Never share your wallet recovery phrase
  • ✅ Verify transaction hashes on block explorers

Need Help?​

Support Resources​

NEAR Intents Support​

For questions about the cross-chain topup protocol itself:

Cross-chain topup is powered by NEAR Intents. All funds remain in your self-custodial wallet - we never custody your assets.