Cash App and USDC/USDT

The SDK can bridge between Cash App and USDC/USDT on external chains (Ethereum-family, Solana, or Tron), in either direction:

• Cash App to USDC/USDT: a Cash App user pays over Lightning, and the recipient gets the stablecoin on an external chain.
• USDC/USDT to Cash App: a payer deposits the stablecoin on an external chain, and a Cash App user gets Bitcoin.

In both, the SDK only sets the bridge up. No wallet funds move, and nothing is written to the payment history: the payer funds the order outside the wallet and the cross-chain provider delivers it autonomously. There is no PaymentPaymentPaymentPaymentPaymentPaymentPaymentPaymentPayment row and no event, but you can track the bridge by its bridge_idbridge_idbridgeIdbridgeIdbridgeIdbridgeIdbridgeIdBridgeIdBridgeId. Show the quote returned to the user so they know what to expect before they pay.

Both are bridges with a Cash App user on one side. To pay a Spark address, or a USDC/USDT address from another chain, see Bridging USDC/USDT.

Selecting a route

Both bridges run on a bridging client. List the recipient's routes with get_routesget_routesgetRoutesgetRoutesgetRoutesgetRoutesgetRoutesGetRoutesGetRoutes:

• For a stablecoin address, Cash App can fund the routes whose sourcesourcesourcesourcesourcesourcesourceSourceSource is on lightning. Their destinationdestinationdestinationdestinationdestinationdestinationdestinationDestinationDestination is the stablecoin the recipient receives.
• For a Cash App user, the routes' sourcesourcesourcesourcesourcesourcesourceSourceSource is the stablecoin the payer pays in.

Pick the BridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePairBridgeRoutePair whose side matches the stablecoin you want. A route Cash App can't use fails fast, before any funds move.

Amounts and fees

The amountamountamountamountamountamountamountAmountAmount is in the stablecoin's base units, per its side's BridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.decimalsBridgeRoutePairSide.DecimalsBridgeRoutePairSide.Decimals. These routes carry USD-pegged stablecoins, so at parity it is the USD value: 1_000_000 is 1 USDC (6 decimals), about $1.

fee_policyfee_policyfeePolicyfeePolicyfeePolicyfeePolicyfeePolicyFeePolicyFeePolicy controls who absorbs the provider fee, reusing the same FeePolicyFeePolicyFeePolicyFeePolicyFeePolicyFeePolicyFeePolicyFeePolicyFeePolicy as the send flow:

• FeePolicy::FeesExcludedFeePolicy.FEES_EXCLUDEDFeePolicy.feesExcludedFeePolicy.FeesExcludedFeePolicy.FeesExcludedFeePolicy.FeesExcludedFeePolicy.FeesExcludedFeePolicyFeesExcludedFeePolicy.FeesExcluded (default) delivers about the amount to the recipient and adds the fee on top of what the payer pays.
• FeePolicy::FeesIncludedFeePolicy.FEES_INCLUDEDFeePolicy.feesIncludedFeePolicy.FeesIncludedFeePolicy.FeesIncludedFeePolicy.FeesIncludedFeePolicy.FeesIncludedFeePolicyFeesIncludedFeePolicy.FeesIncluded takes the fee out of the amount, so the payer pays exactly the amount and the recipient receives less.

The fee includes your partner fee if you set one. max_slippage_bpsmax_slippage_bpsmaxSlippageBpsmaxSlippageBpsmaxSlippageBpsmaxSlippageBpsmaxSlippageBpsMaxSlippageBpsMaxSlippageBps bounds the price movement tolerated between quote and delivery, in basis points (1 bps = 0.01%). Left unset, the SDK default applies.

Paying Cash App from the wallet

To pay a Cash App user from the wallet's own balance, no bridge is needed. A Cash App username prefixed with $ (e.g. $alice) parses to the user's Lightning address, alice@cash.app, which you pay with LNURL-Pay. A wallet holding a stable balance converts it to Bitcoin for the payment automatically.

Limitations

• Mainnet only. Cash App and the cross-chain providers operate against live networks. There is no testnet equivalent.
• Polling only. The bridge is funded outside the wallet, so it produces no PaymentPaymentPaymentPaymentPaymentPaymentPaymentPaymentPayment row and no event. Look its status up with get_bridge_statusget_bridge_statusgetBridgeStatusgetBridgeStatusgetBridgeStatusgetBridgeStatusgetBridgeStatusGetBridgeStatusGetBridgeStatus when you need delivery confirmation.