USDC cheques · Monad

Spendable
links.

Put USDC in a link and send it anywhere. Whoever holds it pays straight from the link: scan a payment code, tap Pay. No app, no wallet, no gas.

Write a spendable linkHow it works
Sign in with Google or email · testnet only
to escrow and write
1 tx
to pay on Monad
≈ 10 s
networks it pays out on
10
for the person spending
0 gas
How it works

Write. Share. Spend.

Two people, one link. From a funded wallet to a paid address in under a minute.

  1. 01

    Write

    Type an amount and how long it lasts. One transaction escrows the USDC and writes the cheque, so it can't bounce.

    One tap · ≈ 5 s
  2. 02

    Share

    The link carries a one-off spending key in its fragment, the part of a URL that never reaches a server. Send it in any chat or show it as a QR code.

    Any chat · or a QR code
  3. 03

    Spend

    The link opens straight to the camera. Scan a USDC payment code or enter an address, check the amount, pay.

    ≈ 10 s on Monad · ≈ 30 s elsewhere
What's different

Spend, don't claim.

Most payment links make the receiver claim the money into a new wallet first. A spendable link skips that step: the link itself pays.

Before it's usableSet up a wallet or passkey to claim itNothing to set up. The link already pays
Paying someoneClaim it, then send it again from the new walletScan their payment code, tap Pay
Payee on another networkStuck on the network it was sent onDelivered on 10 networks through Circle CCTP
GasSomeone funds or sponsors the new walletPaid from the issuer's capped fee allowance
Money left overSits in a wallet that may never be opened againCancel any time; it returns in one transaction
If the link leaksWhoever claims first takes everythingCapped, dated and cancellable until spent
Pays out on

Any USDC address on 10 networks

  • MonadDirect
  • BaseCircle CCTP
  • ArbitrumCircle CCTP
  • OptimismCircle CCTP
  • PolygonCircle CCTP
  • AvalancheCircle CCTP
  • UnichainCircle CCTP
  • LineaCircle CCTP
  • World ChainCircle CCTP
  • EthereumCircle CCTP
Safety

Built like a cheque.
Safer than one.

Each cheque is a narrow permission, not a wallet. Its key can only move its own escrowed USDC, only until its date, and only within the fee allowance you set.

Escrowed
Funds are set aside when the cheque is written. It always clears.
Capped
A link can never spend more than the amount on it.
Dated
Every cheque expires. Reclaim what's left with one tap.
Cancellable
Stop a cheque instantly; unspent USDC and fees come back.
Fee-fenced
Each cheque has its own gas allowance, and requests that would fail are refused before they cost anything.
Private by design
The spending key lives only in the link. Pippo's server never sees it.
Backed up to your passkey
Links are sealed on-chain with a key only your passkey can derive, so they open on any device it syncs to.
Under the hood

Simple on top. Solid underneath.

The hard parts live in a smart account, a permit, a passkey and Circle's cross-chain rails.

  1. ISSUERGoogle sign-in · writes in one tx
  2. CHEQUE BOOK · MONADERC-4337 account · escrow · per-cheque keys
  3. PAYEE ON MONADUSDC transfer · ≈ 10 sPAYEE ON 9 OTHER NETWORKSCCTP burn → Circle mints · ≈ 30 s
ERC-4337 cheque book
Each issuer gets a smart account. Every cheque is a one-off key that can only spend its own escrow, before its date, within its own fee allowance.
One-transaction writes
A USDC permit replaces the approval step. The first cheque deploys the book, funds it, deposits fees and writes the cheque in a single transaction.
Circle CCTP + forwarding
Cross-network payments burn on Monad and Circle mints on the destination, so nobody needs a wallet or gas there.
Passkey-sealed links
One passkey's PRF output derives the key that seals every link on-chain. A new device restores them all with a single prompt.
Privy sign-in
Google or email creates an embedded wallet with no seed phrase and no pop-ups.
Gas-checked sends
Monad charges gas by limit, so every transaction is checked against the balance before it's sent.
Cleared on testnet

A link on Monad.
A payment on Base.

A cheque key paid half a dollar to an address on Base Sepolia. Circle's Forwarding Service burned it on Monad and minted it on Base, while the issuer's deposit covered every fee.

Pippo cheque
  1. Paid from the link on Monad
  2. Burned on Monad, minted by Circle
  3. Delivered on Base Sepolia
Paid from the link
0.500000 USDC
From
Monad testnet
To
Base Sepolia
Circle forwarding fee
0.063284 USDC
Burn → mint
≈ 15 s
Gas paid by the holder
0 MON
Burn on Monad ↗Mint on Base Sepolia ↗

Make your first
spendable link.

Sign in with Google or email, type an amount, share the link. The person holding it only needs a camera.

Open Pippo