Supported Chains & Assets
reply.cash is built on the Solana blockchain (primary) with USDC and USDT support. Additional chains are available through NEAR Intents for cross-chain transfers, enabling seamless cross-chain stablecoin transfers to mobile money accounts and banks.
What are NEAR Intents?
NEAR Intents is a cross-chain infrastructure that allows reply.cash to support multiple blockchain networks without requiring users to manage different wallets or understand complex bridging processes. This technology enables:
- Unified Experience: Send stablecoins across different chains using a single interface
- Automatic Routing: Transactions are automatically routed to the most efficient chain
- Cost Optimization: Smart routing reduces gas fees and transaction costs
- Hyperlocalized Assets: Access region-specific stablecoins and assets
Primary Blockchain: Solana
reply.cash uses Solana as its primary blockchain for all transactions. Solana provides:
- Fast transactions: 1-2 second confirmation times
- Low fees: Less than $0.01 per transaction
- USDC & USDT support: Native SPL token support
- Wallet compatibility: Works with Phantom, Solflare, Backpack, MetaMask, Brave, and more
Solana Contract Addresses:
- USDC (SPL):
EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v - USDT (SPL):
Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB
Cross-Chain Support via NEAR Intents
For users who want to top up from other blockchains, reply.cash supports cross-chain transfers through NEAR Intents. This allows you to:
- Top up from other chains: Transfer USDC/USDT from Ethereum, Polygon, Arbitrum, Base, and 25+ other chains
- Automatic conversion: Funds are automatically converted to Solana USDC
- Unified experience: All funds end up in your Solana wallet for sending
Supported Cross-Chain Networks (via NEAR Intents):
- EVM Chains: Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BSC
- Other Chains: Bitcoin, Litecoin, NEAR, and more
- See Cross-Chain Topup for detailed instructions
Status Legend
- 🟢 Live: Fully integrated and available
- 🟡 Via NEAR Intents: Available for cross-chain topups
- 🔵 In Development: Actively being developed
- 🟠 Planning: Planned for future integration
Wallet Support Notes
- Solana (Primary): Phantom, Solflare, Backpack, MetaMask (with Solana support), Brave Wallet, Jupiter, and any Solana Wallet Standard compatible wallet
- Cross-Chain Topups: Use any wallet on the source chain (EVM wallets for Ethereum/Polygon, etc.)
- Bitcoin: Ordinals and Bitcoin-native wallets (for cross-chain topups)
Asset Details
Stablecoins by Network
| Asset | Primary Network | Cross-Chain Topup From | Description |
|---|---|---|---|
| USDC | Solana (SPL) | Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BSC, NEAR | USD Coin - Circle's dollar-backed stablecoin |
| USDT | Solana (SPL) | Ethereum, Polygon, Arbitrum, Optimism, Avalanche, BSC | Tether USD - Most widely used stablecoin |
| DAI | Via cross-chain | Ethereum, Polygon, Arbitrum | MakerDAO's decentralized stablecoin (converts to USDC on Solana) |
Asset Selection Strategy
reply.cash focuses on:
- Stability: Assets pegged to major fiat currencies (USD, EUR, etc.)
- Liquidity: High-volume, widely-traded assets
- Regional Relevance: Hyperlocalized assets popular in specific regions
- Compliance: Assets that meet regulatory requirements
Integration Process
New chains are added through NEAR Intents when they meet our criteria:
- Security: Proven network security and stability
- Adoption: Significant user base and ecosystem
- Asset Availability: Popular stablecoins and assets
- Cost Efficiency: Reasonable transaction fees
- Developer Support: Active development community
Regional Asset Strategy
reply.cash implements a hyperlocalized asset approach:
Americas
- Primary: USDC, USDT (USD-pegged)
- Regional: Local stablecoins as they emerge
Europe
- Primary: USDC, USDT
- Regional: EUR-pegged stablecoins (planned)
Asia-Pacific
- Primary: USDC, USDT
- Regional: Local currency stablecoins (planned)
Africa & Middle East
- Primary: USDC, USDT
- Regional: Local stablecoins as adoption grows
Technical Implementation
NEAR Intents Integration
- Cross-Chain Messaging: Seamless communication between networks
- Atomic Transactions: Ensure transaction completion or full rollback
- Gas Abstraction: Users don't need native tokens for gas fees
- Unified Balances: View assets across all supported chains
Asset Management
- Real-Time Pricing: Live exchange rates and asset values
- Automatic Conversion: Convert between supported assets as needed
- Balance Aggregation: Combined view of assets across all chains
- Transaction History: Unified history across all networks
Fees & Costs
Network Fees
- NEAR: ~$0.01 per transaction
- Cross-Chain: Variable based on destination network
- Gas Abstraction: Fees automatically deducted from transaction amount
Platform Fees
- Sending: Minimal platform fee (details in app)
- Claiming: No additional fees for recipients
- Conversion: Competitive exchange rates with transparent pricing
Getting Started
- Connect Solana Wallet: Use Phantom, Solflare, Backpack, MetaMask, or Brave Wallet
- Top Up USDC: Add USDC to your Solana wallet (see Getting Started)
- Send Payments: Enter recipient's phone number or account details
- Select Country & Method: Choose mobile money or bank transfer
- Confirm: Review amount and confirm transaction
Frequently Asked Questions
Can I top up from other blockchains?
Yes! You can top up your Solana wallet from other chains using NEAR Intents. See Cross-Chain Topup for instructions.
Do I need different wallets for different chains?
No. You only need a Solana wallet to use reply.cash. If you want to top up from other chains, you can use wallets on those chains, but funds will be converted to Solana USDC.
How are exchange rates determined?
We use real-time market data from multiple sources to ensure competitive and fair exchange rates.
What happens if a transaction fails?
All transactions are atomic - if any part fails, the entire transaction is rolled back and your funds are returned.
Stay Updated
New chains and assets are regularly added to reply.cash. Follow our updates:
- Documentation: Check this page for the latest supported networks
- App Notifications: In-app announcements for new features
- Social Media: Follow @replydotcash for updates
- Community: Join our Discord for discussions