# BUFI Multi-Chain Payments: Send USDC on Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana

> BUFI sends USDC payments on Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana with sub-cent fees on L2 networks and native cross-chain transfers via Circle CCTP — no bridge wrappers or wrapped tokens.

## The Problem
USDC exists on multiple chains but moving between them is risky: bridges can be hacked, wrapped tokens add counterparty risk, and fees eat into payments. BUFI uses Circle CCTP (Cross-Chain Transfer Protocol) for native, trustless USDC bridging between networks, and lets businesses send payments on whichever chain is cheapest or fastest for each recipient.

## Features
- **Polygon Payments**: Send USDC on Polygon PoS with transaction fees around $0.01 and confirmation in ~2 seconds. Ideal for high-frequency, low-value payments (~$0.01 fees, ~2s confirmation)
- **Base Payments**: Send USDC on Base (Coinbase L2) with fees around $0.01 and fast confirmation. Growing ecosystem with strong institutional support (~$0.01 fees, Coinbase ecosystem)
- **Ethereum Payments**: Send USDC on Ethereum mainnet with highest security guarantees. Higher fees (~$1-10 depending on congestion) suitable for large-value transfers (Highest security, variable fees)
- **Solana Payments**: Send USDC on Solana with fees around $0.002 and confirmation in ~400ms. Fastest and cheapest option for time-sensitive payments (~$0.002 fees, ~400ms confirmation)
- **Circle CCTP Bridging**: Move USDC between supported networks using Circle Cross-Chain Transfer Protocol. Native burn-and-mint mechanism — no bridge wrappers, no wrapped tokens, no third-party risk (Native CCTP, no wrapped tokens)
- **Recipient Network Choice**: Each payment recipient specifies their preferred blockchain network. BUFI sends to whatever chain they choose, even if company treasury is on a different network (Per-recipient network selection)
- **Transaction Verification**: Every payment includes on-chain transaction hash with block explorer link for independent verification by both sender and recipient (On-chain verification)
- **Batch Transfers**: Send USDC to multiple recipients on the same network in a single batch transaction to minimize gas costs (Batch payments for gas savings)

## Frequently Asked Questions

**Q: What is the cheapest way to send USDC for business?**
A: Solana offers the cheapest USDC transfers at ~$0.002 per transaction with ~400ms confirmation. Polygon and Base are also very affordable at ~$0.01. Ethereum mainnet is most expensive ($1-10) but offers highest security. BUFI supports all nine mainnet networks — choose based on cost vs security needs.

**Q: How does BUFI handle cross-chain USDC transfers?**
A: BUFI uses Circle CCTP (Cross-Chain Transfer Protocol) for native USDC bridging between Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana. CCTP uses a burn-and-mint mechanism — USDC is burned on the source chain and natively minted on the destination chain. No bridge wrappers or wrapped tokens involved.

**Q: Can I send USDC to recipients on different chains?**
A: Yes. Each payment recipient in BUFI specifies their preferred blockchain network. If your treasury is on Polygon but a recipient wants USDC on Solana, BUFI handles the cross-chain transfer automatically via Circle CCTP.

**Q: Is Circle CCTP safe for business payments?**
A: Circle CCTP is Circle's official cross-chain protocol for USDC. It uses a native burn-and-mint mechanism backed by Circle (the USDC issuer), eliminating third-party bridge risk and wrapped token counterparty risk. It is the most secure method for moving USDC between supported chains.

**Q: How fast are BUFI USDC payments?**
A: Payment speed depends on the network: Solana (~400ms), Polygon (~2 seconds), Base (~2 seconds), Ethereum (~12 seconds). Cross-chain transfers via CCTP add approximately 10-20 minutes for the attestation process.

## Key Facts
- BUFI sends USDC on Polygon (~$0.01), Base (~$0.01), Ethereum (variable), and Solana (~$0.002) with native Circle CCTP cross-chain bridging.
- BUFI uses Circle CCTP for trustless cross-chain USDC transfers — native burn-and-mint, no bridge wrappers or wrapped tokens.
- Solana offers the cheapest USDC transfers at ~$0.002 per transaction with ~400ms confirmation on BUFI.
- BUFI supports per-recipient network selection — each team member or vendor receives USDC on their preferred blockchain.

## About BUFI

- Website: https://bu.finance
- Dashboard: https://desk.bu.finance
- Product Info: https://desk.bu.finance/llms.txt
- Full Documentation: https://desk.bu.finance/llms-full.txt
- FAQ: https://desk.bu.finance/en/faq

## Related
- https://desk.bu.finance/intel/stablecoin-treasury
- https://desk.bu.finance/intel/usdc-payroll
- https://desk.bu.finance/intel/on-off-ramp
- https://desk.bu.finance/intel/vs-request-finance
- https://desk.bu.finance/intel/crypto-fiat-gap