At a glance
| Mainnet | Testnet | |
|---|---|---|
| Network ID | algorand:mainnet | algorand:testnet |
| Native asset | ALGO | ALGO |
| Native decimals | 6 | 6 |
| Stablecoin | USDC ASA | USDC ASA |
| Stablecoin asset ID | 31566704 | 10458941 |
| Stablecoin decimals | 6 | 6 |
| Confirmation time | About 5 seconds | About 5 seconds |
| Typical fee | 0.001 ALGO (~$0.0002) | Free (testnet faucet) |
| Indexer | Algorand Indexer v2 | Algorand Indexer v2 |
Memo binding
Algorand transactions can carry a 1KB note field. AlgoVoi uses this to bind on-chain payments to specific checkouts. Every hosted-checkout link generates a memo of the formalgovoi:{token} (where {token} is the 32-character link token). Senders must include this memo for the transaction to count.
The verifier reads the memo and matches against the active links table. Self-payments (payer address equals payout address) are blocked at this layer.
Payout addresses
A payout address is just a regular Algorand wallet address (58-character base32). The address must have opted in to USDC ASA31566704 (or 10458941 on testnet) before receiving USDC. Algorand requires opt-in for any non-native asset.
If you set a payout address that hasn’t opted in, payments will fail at the chain level. The dashboard validates opt-in when you save the address.
Wallets
Most popular Algorand wallets work for both senders (your customers) and receivers (your payouts):- AlgoVoi Chrome extension (the in-house wallet — native x402 / MPP / AP2 across Algorand, VOI, Hedera, Base, Arc, and Tempo; six chains in one extension as of v2.6.0)
- Pera Wallet
- Defly
- Lute
Account abstraction
Algorand supports rekeying: an address can hand control to a different signer without changing the address. AlgoVoi’s facilitator does not require this, but it’s available if you want to delegate signing for high-volume tenants.xChain — MetaMask payments
Algorand mainnet checkouts support xChain: MetaMask users on any EVM chain can pay without an Algorand wallet. Their EVM address maps to a deterministic Algorand LogicSig address; they sign an EIP-712 message in MetaMask to authorise the Algorand transaction. If they need to fund the address first, Allbridge Core bridges USDC from Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain, or Avalanche in ~2–4 minutes. No merchant action is required — the xChain tab appears automatically on every Algorand mainnet hosted-checkout page. Full xChain documentation →See also
- xChain payments — MetaMask → Algorand via ECDSA LogicSig and Allbridge bridge
- VOI is a fork-and-go cousin with the same SDKs and a different fee model.
- Quickstart uses Algorand testnet as the default first integration.