Project type: Custody Technology Provider

Programmable Wallets | Wallet as a Service | Circle
+ - About USDCThe regulated and fully reserved US dollar stablecoin
+ - TransparencyUSDC reserve management
- Supported blockchainsMulti-chain USDC
- Get USDCLearn more about worldwide providers
+ - Cross-border paymentsReach more markets at a lower cost
- Global dollar accessProvide stable value where it’s needed globally
- Access to crypto capital marketsReduce risk with regulation and transparency
Access to crypto capital markets
+ - Case studiesSee how businesses use Circle solutions
- USDCAccess the US dollar stablecoin
- EURCAccess the euro stablecoin
- MintConvert local currency to USDC and EURC
- Cross-Chain Transfer Protocol (CCTP)Move USDC between blockchains
Cross-Chain Transfer Protocol (CCTP)
+ ###### Web3 Services
- Programmable WalletsEmbed secure wallets in your app
- Smart Contract PlatformBuild, deploy, and manage smart contracts
+ [
+ - Developer hubExplore products, learn from the community, and access resources
+ ###### Start building
Integrate USDC, protocols, and products
Get started with a Web3 Services account
- Developer blogDeveloper blog
- Circle ResearchCircle Research
+ - Alliance ProgramA network of companies innovating with USDC
+ - Member Directory
Connect with companies in the Alliance Program
+ - About CircleAbout Circle
- Resource HubResource Hub
- Executive InsightsExecutive Insights
- The Money MovementThe Money Movement
- Policy HubPolicy Hub
Get Started in]( Started]( in]( WalletsProgrammable WalletsBeta# Reimagine your customer experience
Flexible, secure wallet infrastructure for blockchain use cases. Create in-app wallets for global users and facilitate commerce at enterprise scale.
START FOR FREE a range of global industriesNeobanksFintechsMarketplacesExchangesRemittance![](## Benefits of Programmable Wallets
Build on blockchain without the complexity and embed wallets tailored to your app.
### Accelerated time to market
Use REST APIs and SDKs in your preferred language to create and launch in-app wallets in hours not weeks. No need to learn Solidity or Rust.
### Mainstream user experience
Provide users with fast and familiar login methods like email and social. Leverage our Gas Station feature to abstract away transaction fees.
### Flexible custody models
Give users control over their funds with user-controlled wallets, or securely manage on their behalf with developer-controlled wallets.
Embed wallets secured by multi-party computation (MPC) for enhanced security, or customize compliance checks to meet specific regulatory requirements.
It's easy to build in-app wallets with REST APIs in any language.
Create and configure a set of wallets, then seamlessly deploy across multiple blockchains.
1import { initiateDeveloperControlledWalletsClient } from '@circle-fin/developer-controlled-wallets'
3const walletsResponse = await client.createWallets({
4 blockchains: ["ETH-SEPOLIA", "MATIC-AMOY", "AVAX-FUJI", "SOL-DEVNET"],
5 count: 1,
6 walletSetId: "c4d1da72-111e-4d52-bdbf-2e74a2d803d5",
1from circle.web3 import developer_controlled_wallets
3# Create the payload using the SDK's request model
5 "accountType": "SCA",
6 "blockchains": ["ETH-SEPOLIA", "MATIC-AMOY", "AVAX-FUJI", "SOL-DEVNET"],
7 "count": 1,
8 "walletSetId": "c4d1da72-111e-4d52-bdbf-2e74a2d803d5"
Additional librariesCircle also offers client-side SDKs for web, iOS, Android, and React Native.
## Start building with Programmable Wallets
Access an interactive environment with sample code to begin testing in minutes.
[View quickstarts](## Free to launch, pay-as-you-go
Start building immediately. No upfront fees or contract negotiations.
START BUILDING reduced fee tiers as you scale.
Monthly Active WalletsPrice eachFirst 1,000**Free every month**Next 4,000$0.00050/eaNext 5,000$0.00047/eaNext 15,000$0.00040/eaNext 25,000$0.00035/eaNext 50,000$0.00030/eaNext 150,000$0.00025/eaOver 250,001$0.00020/eaSee additional tiersHide additional tiers![](## Features
All-in-one consoleAccess the tools you need to provision and manage your wallet deployments with confidence. Manage API keys, analyze usage metrics, view transaction logs, and more all from one dashboard.
Multiple account typesConfigure EVM-compatible externally-owned accounts (EOAs), smart contract accounts (SCAs), and Solana user accounts all within the same user experience.
Programmable paymentsUse Smart Contract Platform to deliver subscription payments, global payouts, and interactive wallet experiences in your app. Connect your users to DeFi and more.
Integrated compliance toolingLeverage Compliance Engine to help protect your users and meet regulatory requirements through automated transaction screening checks tailored to your unique business case.
Gas abstractionTap into Gas Station an easy way to sponsor transaction fees for your users. Set custom policies per blockchain and avoid needing to source native tokens like ETH, MATIC, or SOL.
Testnet tokensWith Testnet Faucet you can generate free testnet tokens on-demand to experiment with funds flows in your app. Compatible with both native tokens and stablecoins like USDC and EURC.
Fully managed nodesLeverage Circle-managed blockchain nodes to facilitate high volume transactions for users worldwide.
Build once and seamlessly deploy across multiple blockchains.
Cross-border paymentsExpand your reach with near-instant settlement and lower costs
Global dollar accessEnable users to access a stable store of value worldwide without a bank account
Crypto capital marketsProvide trading, borrowing, and lending services with regulated stablecoins
Michelle Chou, Product Manager, Grab
Read the case study
## Trusted by large global enterprises and crypto-native startups
Learn more about integrating with Programmable Wallets.
[DocumentationDive into our guides, quickstarts, and API references to start building now.
Start]( step-by-step walkthroughs to get to market faster.
Watch](/developer/walkthroughs-tutorials)[Developer BlogExplore use cases, recent updates, and success stories.
Read](/blog/tag/developer)[Developer HubDiscover Circle’s platform, development resources, and community.
Explore](/developer)![](## Start building today
Go from idea to production in hours not weeks.
[start for free](## FAQs
Who can use Programmable Wallets?Anyone can sign up for Circle’s wallet as a service offering and begin building immediately. Get started for free here 
With Programmable Wallets, your first 1,000 Monthly Active Wallets are free every month. Receive reduced fee tiers on wallet pricing as you scale.
Do I need to apply for Circle Mint to get started with Programmable Wallets?No, you don’t need Circle Mint to use our wallet as a service offering. Get started by creating a free account for Programmable Wallets.
*Note: Circle Mint is an institutional on/off-ramp service with limited availability only for large-scale enterprises and financial institutions.*
What is the billing model?You’ll be charged per API call on a pay-as-you-go basis and billed in monthly arrears.
These charges only apply to smart contracts deployed to mainnet (e.g. Ethereum mainnet, Polygon PoS mainnet, etc.), and includes both on-chain calls (i.e. smart contract interaction) and off-chain calls (i.e. retrieving analytics). Learn more. 
What wallet infrastructure types are supported?**User-controlled:** Enable end users to sign transactions directly and maintain control over their funds. Ideal for businesses with crypto-native end users. [See docs.](‍
**Developer-controlled:** Sign transactions and custody funds for internal operations or on behalf of end users. Ideal for businesses with mainstream end users. [See docs.](‍
Both types can be created as externally-owned accounts (EOAs) or smart contract accounts (SCAs).
What is MPC technology?Multi-party computation (MPC) is a form of cryptographic encryption that splits up a private key into unique components that can be distributed across multiple parties. This helps protect against accidental or unauthorized misuse of funds.
What is the difference between a MAW and a USDC MAW?Monthly active wallet (MAW): a wallet address created with Programmable Wallets that has conducted an on-chain transaction within the month period, such as initial wallet creation or sending or receiving funds.
USDC monthly active wallet (USDC MAW): a wallet address that has held at least 10 USDC at all times within the month period and has conducted an on-chain transaction, such as initial wallet creation or sending or receiving funds.
Does Gas Station support both EOAs and SCAs?Gas Station supports smart contract accounts (SCAs) on Ethereum and Polygon PoS, and externally-owned accounts (EOAs) on Solana.
**Ethereum and Polygon PoS:** As Circle utilizes ERC-4337, Gas Station only works with SCAs that have been created with Programmable Wallets.
**Solana:** As Solana is not an EVM-compatible blockchain and does not support SCAs, Circle leverages the feePayer variable to enable transaction fee sponsorship. Gas Station only supports EOAs created with Programmable Wallets.
Is Gas Station billed separately?Yes, Gas Station charges will include the cost of the network gas fees that you’ve sponsored in USD plus a 5% fee on that cost, and the application of local taxes. Learn more. 
Services are provided by Circle Technology Services, LLC (“CTS”). Services do not include financial, investment, tax, legal, regulatory, accounting, business, or other advice. CTS is only a provider of software and related technology and is not engaged in any regulated money transmission activity in connection with the services it provides. For additional details, please click here to see the Circle Developer terms of service.
+ Bridged USDC Standard
+ Global dollar access
+ Crypto capital markets
+ Web3 Services account signup 
+ Test with sample app
+ State of the USDC Economy
+ The Money Movement
+ Cross-Chain Transfer Protocol (CCTP)
+ Smart Contract Platform
+ Legal & Privacy
+ Your Privacy Choices
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Circle Technology Services, LLC (“CTS”) is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please click here to see the Circle Developer terms of service.