> ## Documentation Index
> Fetch the complete documentation index at: https://docs.algovoi.co.uk/llms.txt
> Use this file to discover all available pages before exploring further.

# VOI aUSDC payments

> Accept aUSDC (ARC-200 asset 302190) on VOI: Algorand fork architecture, memo bound checkouts, no opt in required, and sub cent transfer fees.

## At a glance

|                     | Mainnet                           | Testnet               |
| ------------------- | --------------------------------- | --------------------- |
| Network ID          | `voi:mainnet`                     | `voi:testnet`         |
| Native asset        | VOI                               | VOI                   |
| Native decimals     | 6                                 | 6                     |
| Stablecoin          | aUSDC (ARC-200)                   | aUSDC (ARC-200)       |
| Stablecoin asset ID | `302190`                          | (testnet equivalent)  |
| Stablecoin decimals | 6                                 | 6                     |
| Confirmation time   | About 5 seconds                   | About 5 seconds       |
| Typical fee         | 0.001 VOI                         | Free (testnet faucet) |
| Indexer             | VOI Indexer (Algorand-compatible) | VOI Indexer           |

## Memo binding

Same as [Algorand](/chains/algorand). Hosted-checkout payments include `algovoi:{token}` in the note field. The verifier matches against the active link.

## ARC-200 versus ASA

VOI's stablecoin (aUSDC) is an ARC-200 token, not an ASA. ARC-200 is a smart-contract token standard, more like ERC-20 than ASA. The differences your customers will notice:

* No opt-in needed. ARC-200 transfers don't require a separate opt-in transaction the way ASA transfers do.
* Slightly higher fees per transfer (still well under a cent) because the transfer is a contract call.

## WAD

VOI also has WAD (asset ID `47138068`), an alternate stablecoin. It's accepted but not the default. USDC equivalent for VOI tenants is aUSDC.

## Wallets

VOI uses the same wallet ecosystem as Algorand:

* [AlgoVoi Chrome extension](https://chromewebstore.google.com/detail/algovoi/ofmgegnkjdmbeakjbmfaagigmhagdcbl) (the in-house wallet, native x402 / MPP / AP2 support across Algorand, VOI, Hedera, Base, Arc, and Tempo — six chains in one extension as of v2.6.0)
* [Pera Wallet](https://perawallet.app) (with VOI network selected)
* [Defly](https://defly.app)
* [Kibisis](https://kibis.is)

## Agent-to-agent settlement on VOI

VOI runs the Algorand Virtual Machine, so the same Falcon-1024 key and the same mesh code path that settle on [Algorand](/chains/algorand) settle on VOI with nothing changed but the endpoint. This proof is on VOI mainnet.

[AlgoVoi Mesh](/agent-mesh) settles a payment directly between two autonomous agents on VOI. Each agent verifies the other offline with a Falcon-1024 credential, the pair negotiates VOI as the settlement chain, and the authorized decision is anchored in the transaction note as one content-addressed `execution_ref`. There is no facilitator, no per-transaction fee, and no AlgoVoi service in the trust path at settlement time.

**Proven on-chain.** A mutually verified Falcon-1024 pair negotiated VOI and settled once:

| Network     | Anchors in | Transaction                                                                                                           |
| ----------- | ---------- | --------------------------------------------------------------------------------------------------------------------- |
| VOI mainnet | note       | [NG55WHPX...](https://explorer.voi.network/explorer/transaction/NG55WHPXNK24KP5I7EC2NH2AW5VLL5WSY52X2X6ITCKPHCC3GXPA) |

Open it and read the note. It carries `algovoi-mesh:sha256:8da539d7...`, the exact execution reference that run's handshake produced. Recompute it yourself from the raw fields with a stock RFC 8785 (JCS) implementation and SHA-256; no AlgoVoi software is involved in checking it.

The chain never verifies Falcon. It only carries the anchor, which is why the same agent trust works on VOI and on every other chain the pair could have chosen. See [AlgoVoi Mesh](/agent-mesh) for the mutual handshake, the signed chain-offer negotiation, and the full eight-chain proof.

## See also

* [Algorand](/chains/algorand) for the parent chain
* [Concept: chains overview](/concepts/chains-overview) for cross-chain comparison