How Minisend converts USDC and USDT to local currency payouts

The flow

Customer sends USDC or USDT

One deposit address accepts both assets across all supported chains. The customer doesn’t pick a network from a menu — they just send.

Minisend detects the deposit

Status moves pending → deposit_received. If no deposit arrives within 30 minutes, the session expires.

Funds normalise to USDC on Base

USDC on a non-Base chain → bridged to Base via Circle CCTP burn-and-mint.
USDT on any chain → routed through Minisend’s swap layer → spendable USDC on Base in 30–50 seconds.

Cross-chain rounding is tolerated when matching the amount.

USDC → local currency

Converted at the live rate. 1% platform fee deducted. Status moves to settling.

Payout sent

M-Pesa, mobile money, or bank transfer. Status moves to completed and a webhook fires.

Status lifecycle

pending → deposit_received → settling → completed
                                      → failed
       → expired (after 30 minutes)

Status	Meaning
`pending`	Waiting for the customer to send
`deposit_received`	Detected on-chain; normalisation started
`settling`	Conversion + payout in progress
`completed`	Payout delivered
`failed`	Settlement failed post-deposit — contact support
`expired`	No deposit within 30 minutes

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