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Supported Chains & Assets

reply.cash is built on the Solana blockchain (primary) with USDC and USDT support. Additional chains are available for cross-chain transfers, enabling seamless cross-chain stablecoin transfers to mobile money accounts and banks.

Primary Blockchain: Solana​

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:

All Supported Chains​

Solana
Solana
SOL, USDC, USDT
Ethereum
Ethereum
ETH
Polygon
Polygon
MATIC, USDC
Arbitrum
Arbitrum
ETH
Base
Base
ETH, USDC
Optimism
Optimism
ETH
Avalanche
Avalanche
AVAX
BNB Chain
BNB Chain
BNB
Aurora
Aurora
ETH
Gnosis
Gnosis
xDAI
X Layer
X Layer
OKB
Monad
Monad
MON
Berachain
Berachain
BERA
Bitcoin
Bitcoin
BTC
Bitcoin Cash
Bitcoin Cash
BCH
Litecoin
Litecoin
LTC
Dogecoin
Dogecoin
DOGE
Dash
Dash
DASH
NEAR
NEAR
NEAR
Sui
Sui
SUI
TON
TON
TON
Tron
Tron
TRX, USDT
XRP
XRP
XRP
Stellar
Stellar
XLM, USDC
Cardano
Cardano
ADA
Zcash
Zcash
ZEC
StarkNet
StarkNet
ETH
Scroll
Scroll
ETH
Plasma
Plasma
PLASMA
Aleo
Aleo
ALEO
ADI
ADI
ADI

Cross-Chain Support​

For users who want to top up from other blockchains, reply.cash supports cross-chain transfers. This allows you to:

  • Top up from other chains: Transfer USDC/USDT from Ethereum, Polygon, Arbitrum, Base, and 30+ 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:

  • EVM Chains: Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BNB Chain, Aurora, Gnosis, X Layer, Monad, Berachain
  • UTXO Chains: Bitcoin, Bitcoin Cash, Litecoin, Dogecoin, Dash
  • Other L1s: NEAR, Sui, TON, Tron, XRP, Stellar, Cardano
  • ZK/Privacy: StarkNet, Scroll, Zcash, Aleo
  • See Cross-Chain Topup for detailed instructions

Status Legend​

  • 🟢 Live: Fully integrated and available
  • 🟡 Cross-chain: 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​

AssetPrimary NetworkCross-Chain Topup FromDescription
USDCSolana (SPL)Ethereum, Polygon, Arbitrum, Base, Optimism, Avalanche, BSC, NEARUSD Coin - Circle's dollar-backed stablecoin
USDTSolana (SPL)Ethereum, Polygon, Arbitrum, Optimism, Avalanche, BSCTether USD - Most widely used stablecoin
DAIVia cross-chainEthereum, Polygon, ArbitrumMakerDAO'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 when they meet our criteria:

  1. Security: Proven network security and stability
  2. Adoption: Significant user base and ecosystem
  3. Asset Availability: Popular stablecoins and assets
  4. Cost Efficiency: Reasonable transaction fees
  5. 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​

Cross-Chain 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​

  • Solana: Low fees 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​

  1. Connect Solana Wallet: Use Phantom, Solflare, Backpack, MetaMask, or Brave Wallet
  2. Top Up USDC: Add USDC to your Solana wallet (see Getting Started)
  3. Send Payments: Enter recipient's phone number or account details
  4. Select Country & Method: Choose mobile money or bank transfer
  5. 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. 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.

Supported Assets by Chain​

ChainNative TokenSupported Assets
EthereumETHETH
PolygonMATICMATIC, USDC
ArbitrumETHETH
BaseETHETH, USDC
OptimismETHETH
AvalancheAVAXAVAX
BNB ChainBNBBNB
AuroraETHETH
GnosisxDAIxDAI
X LayerOKBOKB
MonadMONMON
BerachainBERABERA
BitcoinBTCBTC
Bitcoin CashBCHBCH
LitecoinLTCLTC
DogecoinDOGEDOGE
DashDASHDASH
NEARNEARNEAR
SolanaSOLSOL, USDC, USDT
SuiSUISUI
TONTONTON
TronTRXTRX, USDT
XRPXRPXRP
StellarXLMXLM, USDC
CardanoADAADA
ADIADIADI
StarkNetETHETH
ScrollETHETH
PlasmaPLASMAPLASMA
ZcashZECZEC
AleoALEOALEO

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