I lost a $5,000 client last month because they had USDC on Solana and I only accepted Ethereum.

The conversation went like this: "Can you send payment to this address?" They checked their wallet. "I've got USDC, but it's on Solana." I scrambled to set up a Solana wallet. By the time I sent them the new address, they'd moved on to someone else.

That's when I realized something obvious: USDC lives on 15+ different blockchains, and asking customers to match your specific chain is like only accepting Visa when half your customers carry Mastercard.

The multi-chain USDC problem isn't going away. But there's a surprisingly simple fix.

Why USDC Payments Break Down

USDC is everywhere. With over $40 billion in circulation, it's become the default for crypto payments—stable, predictable, pegged 1:1 to the dollar. Perfect, right?

Except USDC isn't one thing. It's more like 15 different versions of the same dollar, each living on its own blockchain island.

You've got USDC on Ethereum. USDC on Solana. USDC on Base, Polygon, Arbitrum, Optimism, Avalanche, BSC. The list keeps growing. And here's the kicker: they don't talk to each other. USDC on Ethereum can't magically become USDC on Solana. They're separate tokens that just happen to be worth the same amount.

This creates absurd situations.

A customer wants to pay you 1,000 USDC. You send them your Ethereum address. They check their wallet—all their USDC is on Solana. Now what? You could set up a Solana wallet. They could bridge their funds to Ethereum. Or you could both give up and use PayPal.

Guess which one happens most often?

I've watched this exact scenario play out dozens of times. The payment never happens, or it takes so long that the momentum dies. Either way, you lose.

The Real Cost of Chain Fragmentation

Managing multiple wallets sounds simple until you actually do it. You need an Ethereum wallet, a Solana wallet (completely different address format), a Base wallet, Polygon, Arbitrum—the list goes on. Even when chains share the same address format, they're separate networks with separate accounts.

Then your funds get scattered. $5,000 USDC on Ethereum. $3,000 on Solana. $2,000 on Base. You can't combine them without bridging each one manually, paying fees every time. Your accounting becomes a nightmare.

Worse, your customers make mistakes. They send Solana USDC to an Ethereum address and lose their funds. They select the wrong network on their exchange withdrawal. They don't realize they need ETH to pay gas on Ethereum or SOL to pay gas on Solana. Every error costs time, money, and trust.

And while you're figuring all this out, your competitor who accepts USDC from any chain is closing deals you're losing.

"We only accept Ethereum USDC" sounds as outdated as "We only accept Visa, not Mastercard." Customers expect flexibility. If you can't provide it, someone else will.

Cross-Chain Payment Links Change Everything

What if you could accept USDC from any blockchain but receive it all in one wallet on your preferred chain? No juggling multiple addresses. No manual bridging. Just one payment link that works for everyone.

That's exactly what cross-chain payment links do. Your customer pays from wherever they hold USDC—Solana, Ethereum, Base, doesn't matter. You receive it all on your chosen chain. The bridging happens automatically in the background.

How It Actually Works

The mechanics are straightforward.

First, you generate a payment link. Specify the amount (say, 1,000 USDC), your preferred receiving chain (Ethereum, Solana, Base—whatever you want), and your wallet address. You can pre-select which chain the customer should pay from, or leave it open for them to choose. You get a shareable URL with everything encoded.

Send that link to your customer. Put it in your invoice, email it, embed it in your checkout page. Wherever.

When they click it, they see a pre-filled form. The amount is locked at 1,000 USDC. Your Ethereum address is locked as the destination. But they get to choose which chain they want to pay from: Ethereum, Solana, Base, Polygon, Arbitrum, or any of the other supported networks.

They pick their chain, get a deposit address, send their USDC, and confirm the transaction.

Three to eight minutes later, you receive exactly 1,000 USDC in your Ethereum wallet. The bridging happened automatically. You didn't touch multiple wallets. Your customer didn't manually bridge anything. It just worked.

Who This Actually Helps

An online store selling digital products internationally saw crypto payment completions jump 23% after switching to cross-chain payment links. Their customers were spread across different exchanges and chains—some on Solana, others on Base, many on Ethereum. Before, the store had to manage multiple wallets and constantly explain which chain to use. Now they just send one link and let customers pay from wherever they hold funds.

A freelance marketing consultant working with DAOs had a different problem. Each client's treasury lived on a different chain—Arbitrum, Polygon, Gnosis Chain. Setting up new wallets for each client was tedious and made accounting a mess. With cross-chain payment links, every invoice includes one link, and all payments arrive in a single Solana wallet. Clean, simple, professional.

A B2B SaaS company accepting crypto subscriptions noticed something interesting: payment friction was causing churn. Customers wanted to pay in USDC, but they held it on different chains and didn't want to bridge every month. Cross-chain payment links let customers choose their preferred chain each billing cycle. Churn dropped 12%.

A smart contract auditing firm closed eight deals in one quarter that would have fallen through otherwise. Projects wanted to pay from their development treasuries on various L2s and alt-L1s. The firm wanted everything in Ethereum for liquidity. Cross-chain links solved both problems without anyone having to bridge manually.

What You Actually Get

For merchants and freelancers, the benefits are concrete. You stop losing sales to chain incompatibility. Your conversion rates improve because payment friction disappears. You monitor one wallet instead of five. Your accounting stays simple because everything flows to one source. You never manually bridge funds again.

Your customers get flexibility. They pay from wherever they hold USDC—no forced chain switching, no exchange withdrawals, no multi-step bridging process. The pre-filled form makes payment simple. Everything completes in minutes.

And it's non-custodial. Funds go directly to your wallet through decentralized bridge protocols. Every transaction is verifiable on-chain. No hidden intermediaries, no custody risk.

Getting Started

Pick your preferred receiving chain first. Ethereum gives you maximum liquidity. Solana has the lowest fees. Base integrates easily with Coinbase. Choose based on what matters most to you.

Generate a payment link for each invoice or order. Specify the USDC amount, enter your wallet address, and optionally pre-select which chain the customer should pay from (or leave it open for them to choose).

Share the link however you normally communicate with customers—email, invoice, checkout page, wherever.

Then just monitor your wallet. All payments arrive on your chosen chain automatically.

Questions You Probably Have

Which chains work?

MoveCrypto supports USDC on Ethereum, Solana, Base, Polygon, Arbitrum, Optimism, Avalanche, BSC, and more. Over 15 blockchains total, with more being added.

What do fees look like?

Low. The exact amount depends on which chains are involved, but cross-chain bridge fees are typically minimal compared to the friction cost of losing a sale.

How long does payment take?

Same-chain transfers complete in 5-30 seconds. Cross-chain payments take 2-10 minutes depending on the networks involved. Either way, it's faster than traditional payment methods.

What happens if someone pays the wrong amount?

The payment link locks the exact amount. If someone underpays, the transaction usually fails or needs manual reconciliation. Make sure customers know to send the precise amount specified.

Can customers change where the money goes?

No. The recipient address is locked when you generate the link. This prevents errors and ensures funds always reach your wallet.

Is this actually decentralized?

Yes. Payments route through decentralized bridge protocols. Funds go directly to your wallet—non-custodial, no intermediaries holding your money. You keep full control.

Why This Matters Now

USDC adoption is accelerating. Over $40 billion in circulation, available on 15+ blockchains, used by millions globally. It's becoming the standard for crypto payments.

Meanwhile, new L2s and alt-L1s launch every month. Chain fragmentation is getting worse, not better. You can't keep creating new wallets for every chain that emerges.

And customers expect flexibility. "Sorry, I only accept USDC on Ethereum" doesn't cut it anymore. Your competitors are already offering cross-chain payment options. If you're not, you're losing deals you don't even know about.

Stop Losing Sales to Chain Incompatibility

You don't need to manage multiple wallets. You don't need to force customers to bridge their funds. You definitely don't need to lose sales because someone has USDC on the "wrong" chain.

Cross-chain payment links solve this. Pick your preferred receiving chain, generate a payment link in 30 seconds, and share it with your next customer. They pay from wherever they hold USDC. You receive everything in one wallet.

That's it. No complexity, no friction, no lost deals.

Start accepting USDC from any blockchain with MoveCrypto.

Accept USDC on Solana, Ethereum, Base, or Any Chain with Pre-Filled Payment Links