Wrapped USDC for Web3 Platforms

⚠️ This flow is best for Web3 platforms where each user has their own blockchain wallets, and you want to allow your users to receive tokens.

Many platforms want to let users onramp and have a spendable balance, but cannot custody funds or maintain internal ledgers.
Coinflow solves this by:

Processing the payment
Settling USDC directly into your settlement location
Minting wrapped USDC to the user
Burning those wrapped USDC tokens when the user spends, while Coinflow sends USDC to your settlement address upon purchase completion

This lets you behave as if the user “holds” USDC without ever becoming the custodian of customer funds.

Why Platforms Use This

This flow is ideal if:

Your end goal is to allow users to onramp
You need a USDC-like user balance without taking custody of real funds
Your platform economy runs on wallets + smart contracts

How the Flow Works

User pays via Coinflow Checkout.
Any supported method (card, Bank Transfers, Apple Pay, Google Pay, Wires).
Coinflow settles USDC to your Coinflow Wallet.
Coinflow mints wrapped USDC 1:1 into the user’s smart wallet.
Users spend wrapped USDC on your platform.
When a purchase occurs:
- Coinflo burns the user’s wrapped tokens
- Coinflow sends USDC to your settlement location
- The merchant receives revenue instantly!

This gives users the experience of having spendable USDC.