--- title: "Pay Gas in USDC, USDT & 300+ ERC-20 Tokens" description: "Let users pay gas in USDC, USDT, or any of 300+ ERC20 tokens, with no native tokens required. Audited by OpenZeppelin and Quantstamp." canonical: https://www.pimlico.io/products/erc20-gas --- # Pay Gas in USDC, USDT & 300+ ERC-20 Tokens > Markdown mirror of https://www.pimlico.io/products/erc20-gas. Every page on this site has a markdown version at the same path with a `.md` suffix. For technical and implementation details, see Pimlico's documentation index at https://docs.pimlico.io/llms.txt. ## Pages on this site ### Home - [The gas sponsorship engine for onchain apps](https://www.pimlico.io/index.md): Pimlico is the gas sponsorship engine for onchain apps. Sponsor transactions, accept any ERC20 token for gas, and set policy rules across 100+ chains. ### Products - [Ecosystem Gas Programs for Chains](https://www.pimlico.io/products/ecosystem-gas-programs.md): For chains and ecosystems: sponsor gas for every team building on your chain, so their users transact without ever holding native token. - Pay Gas in USDC, USDT & 300+ ERC-20 Tokens (this page) - [Gas Sponsorship for Onchain Apps](https://www.pimlico.io/products/gas-sponsorship.md): Sponsor gas for your users so they transact instantly, with no native tokens to buy and no fee prompts to abandon. Powered by the engine behind 100M+ sponsored transactions. - [Sponsorship Policies — Spend Controls for Gas](https://www.pimlico.io/products/sponsorship-policies.md): Spend controls for gas: sponsor the first N transactions per user, cap dollars per transaction, per user, or per campaign, all configured in the dashboard and applied instantly. - [Transaction Infrastructure & ERC-4337 Bundlers](https://www.pimlico.io/products/transaction-infrastructure.md): The execution engine under the sponsorship layer: ERC-4337 bundlers with <2s inclusion on L2s, parallel processing, and 250M+ transactions relayed in production. ### Solutions - [Onchain Execution for AI Agents](https://www.pimlico.io/solutions/ai-agents.md): Give AI agents smart accounts that execute on demand: they trade, pay, and move money the instant your logic fires. Sponsor their actions, or let user-funded agents pay their own way in USDC, USDT, or 300+ tokens, within the limits you set. - [Smart Account Infrastructure for Chains](https://www.pimlico.io/solutions/chains.md): Launch with smart account infrastructure from day one and fund gas programs that turn your ecosystem’s onboarding friction into growth. - [Deploy Pimlico on Your Chain](https://www.pimlico.io/solutions/chains/deploy.md): Enterprise deployments for chains and ecosystems: Pimlico's complete suite, from gas sponsorship to transaction infrastructure, live on your chain so every builder ships better UX from day one. - [Gasless Onboarding for Consumer Apps](https://www.pimlico.io/solutions/consumer-apps.md): Onboard users who have never owned crypto: sponsor their gas, set budgets that protect your margins, and make the blockchain disappear from your UX. - [Enterprise Onchain Infrastructure](https://www.pimlico.io/solutions/enterprise.md): SOC 2 certified infrastructure with custom SLAs, 24/7 support, and the team that co-authored ERC-4337, built for companies that cannot afford a dropped transaction. - [Stablecoin Settlement Infrastructure](https://www.pimlico.io/solutions/stablecoin-processors.md): Execute stablecoin transactions reliably, at low latency, on 100+ chains, with gas paid in the stablecoins you already move. - [Smart Account Infrastructure for Startups](https://www.pimlico.io/solutions/startups.md): Ship smart accounts in hours, not weeks. Free on testnets, pay-as-you-go in production, no commitments. It is the stack startups like Daimo and Zora started on. - [Smart Account Infrastructure for Wallets](https://www.pimlico.io/solutions/wallets.md): Build gasless smart wallets with any signer and any smart account, on the infrastructure trusted by MetaMask, Safe, and Trust Wallet. ### Other pages - [Customers](https://www.pimlico.io/customers.md): The teams building on Pimlico: Circle, MetaMask, Safe, Trust Wallet, Zora, Tools for Humanity, and more, across wallets, consumer apps, and stablecoin payments. - [Smart Account & Signer Integrations](https://www.pimlico.io/integrations.md): Every major smart account and signer, already integrated: Safe, Kernel, MetaMask, Privy, Turnkey, passkeys, and more, across 100+ chains. - [Pricing](https://www.pimlico.io/pricing.md): Free on testnets, pay-as-you-go in production, custom Enterprise rates. Transparent credit-based pricing for gas sponsorship and transaction infrastructure. - [Privacy Policy](https://www.pimlico.io/privacy.md): This Privacy Policy will inform you about how we look after your personal data when you visit our website or use our services and tell you about your privacy rights. - [Terms of Service](https://www.pimlico.io/tos.md): This Terms of Service will inform you about the terms of using Pimlico's services. --- ERC20 Gas Sponsorships # Gas, paid in the tokens users actually hold Your users hold USDC, not ETH on five different chains. Let them pay transaction fees in USDC, USDT, or any ERC20 token, and drop the native-token requirement forever. [Start building](https://dashboard.pimlico.io)[Read the docs](https://docs.pimlico.io/infra/paymaster) 300+tokens on Enterprise 100+chains **erc20-gas.ts** ```typescript // Same client, plus one line — token approvals are injected for you const smartAccountClient = createSmartAccountClient({ // ...same setup as before, plus: userOperation: { prepareUserOperation: prepareUserOperationForErc20Paymaster(pimlicoClient), }, }) const txHash = await smartAccountClient.sendTransaction({ to: "0x...", value: parseEther("0.1"), paymasterContext: { token: usdc, // any of 300+ supported ERC20 tokens }, }) ``` How it works ### Quote, confirm, done The whole exchange happens atomically inside the transaction itself: if it fails, the user pays nothing. There is no pre-funding, no wrapped balances, and no trust assumptions to make. The paymaster contracts that make this possible are audited by OpenZeppelin and Quantstamp. 1 Request a quote One API call returns the exact token cost, locked in for 30 seconds. 2 User confirms in their token They see "0.42 USDC", not gwei and not a volatile native fee, with time to verify before agreeing. 3 Pimlico settles the gas The paymaster pays the native fee and collects the token atomically, in the same transaction. 4 Confirmed on-chain No swaps, no bridging, no leftover dust balances. Why teams choose it ## Built for stablecoin-native apps ### No native token required Users pay fees in the ERC-20 they already hold on that chain, so there is no ETH, POL, or AVAX to acquire before they can transact. ### Quotes locked for 30 seconds Every quote stays valid long enough for users to verify the exact token cost and agree to it, with no fee volatility mid-flow. ### Failed transactions cost nothing Token collection happens atomically with execution. If the transaction reverts, no fee is taken. Security ## Built to be trusted with approvals Letting a contract collect tokens for gas demands real guarantees. The paymaster is designed so users hand over as little as possible. [ ### Approve only what is needed Per-transaction mode injects an exact-amount approval into the operation itself, so the paymaster can never collect more than that transaction’s fee. Unlimited approvals stay available where convenience wins. Learn more](https://docs.pimlico.io/guides/how-to/erc20-paymaster/how-to/use-paymaster) ### Audited and non-upgradable The contracts are audited by OpenZeppelin and Quantstamp and cannot be upgraded, so the code users approve today is exactly the code that runs tomorrow. ### Battle-tested in production The same paymaster contracts run for the most security-conscious teams onchain, the issuer of USDC among them. Proven at scale ## The same engine behind 250M+ transactions 250M+ transactions processed 100M+ transactions sponsored 100+ chains supported <2s inclusion time on L2s SOC 2 Type 1 certifiedOFAC sanctions screening24/7 supportAudited by OpenZeppelin & QuantstampCo-authors of ERC-4337, ERC-7677 & ERC-7679 The onboarding ramp ### Sponsor first, stablecoins after The classic pattern: sponsor the first few transactions to remove all friction from onboarding, then transition users to paying their own fees in USDC, USDT, or any of 300+ supported tokens. One client and one policy engine cover both, so the switch is a config change, not a migration. [Gas Sponsorship](https://www.pimlico.io/products/gas-sponsorship.md)[Sponsorship Policies](https://www.pimlico.io/products/sponsorship-policies.md) 1 New user arrives Their first transactions are sponsored under your policy. No balance needed at all. 2 They fund their account Stablecoins land in the account, and there is still no native token to buy. 3 The same client switches to ERC-20 gas Set the token in paymasterContext and fees come out of the balance they already hold. [ ### Your stack carries over too The ERC-20 paymaster attaches to the smart account client you already run, so there are no account or signer changes either. Every major smart account and signer is already integrated, each with a step-by-step guide. See all integrations →](https://www.pimlico.io/integrations.md) Run it in production ### Watch every operation, end to end Every ERC-20 gas operation is traceable in the dashboard from received to included on-chain, with millisecond timings and transaction hashes at each step — the same lifecycle view behind every sponsored operation. When someone asks where a transaction went, you answer in seconds, not by grepping logs. Track user operation 0xf3523157c238413335e2f5cb6325255d7103272bb7cf221a5779bf4f5840c1ef Received 2026-06-11 20:01:13.054 Added to Mempool 2026-06-11 20:01:13.054 (+0ms) Submitted 2026-06-11 20:01:13.341 (+287ms) Tx Hash: 0x223b701f... Included Onchain 2026-06-11 20:01:13.590 (+249ms) Tx Hash: 0x223b701f... In production ## Trusted with users' tokens [ Trust Wallet Binance's self-custodial wallet uses Pimlico to power smart account features for millions of users. ](https://trustwallet.com) [ Bitpanda Europe's leading retail investing platform executes onchain transactions through Pimlico. ](https://bitpanda.com) [ Ambire The self-custodial smart account wallet routes its transactions through Pimlico, with gas paid in ERC-20 tokens. ](https://www.ambire.com) [ Circle The issuer of USDC builds smart wallet infrastructure on Pimlico, including gasless USDC transfers. ](https://circle.com) [ ### Processing stablecoin payments? See how settlement platforms run their whole operation in stablecoins, fees included — with the compliance, testing, and SLA story to match. Stablecoin Processors →](https://www.pimlico.io/solutions/stablecoin-processors.md) Coverage ## Every chain your users hold stablecoins on One API covers 100+ chains. Users pay fees in USDC, USDT, or 300+ other tokens — the ERC-20 they already hold on that chain, with no native token required. A few of the networks where users pay gas in stablecoins EthereumEthereum BaseBase ArbitrumArbitrum OptimismOptimism PolygonPolygon BNB ChainBNB Chain AvalancheAvalanche ## Frequently asked questions **Which tokens are supported?** USDC and USDT are supported across major chains out of the box, with up to 300+ ERC20 tokens available on Enterprise plans. If your app has its own token, talk to us about adding it. **How is the exchange rate determined?** Before each transaction you request a quote, which locks in the token amount for the gas cost at current market rates plus the paymaster fee. The user sees the exact token cost before they confirm. **Is the paymaster audited?** Yes. The ERC20 paymaster contracts are audited by OpenZeppelin and Quantstamp. **Can I combine this with sponsorship?** Yes. Many teams sponsor the first few transactions for new users, then transition them to paying gas in USDC, USDT, or any other supported token. Both run through the same client and policy engine.