> ## 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.

# Chains overview

> AlgoVoi's supported chains compared: stablecoins, confirmation times, fees, and the memo, reference pubkey and amount only binding mechanisms. Seven live today; Arc (Circle's USDC-native L1) settling from September 2026.

The AlgoVoi gateway supports seven checkout chains live today, with Arc (Circle's USDC-native L1) settling from September 2026 for eight in total. They split into three families based on how transactions are bound to specific checkouts.

<Note>
  This page covers the tenant gateway's hosted-checkout chains. The tenant-free
  [AlgoVoi Pay rail](/algovoi-pay) settles on **twelve** mainnet chains: these
  seven plus Monad, Polygon, Arbitrum and OP Mainnet as stock-payable EIP-3009
  lanes.
</Note>

## The chains

| Chain | Family | Native | Stablecoin | Confirmation | Fee |
| - | - | - | - | - | - |
| [Algorand](/chains/algorand) | Memo | ALGO | USDC ASA | \~5s | sub-cent |
| [VOI](/chains/voi) | Memo | VOI | aUSDC ARC-200 | \~5s | sub-cent |
| [Hedera](/chains/hedera) | Memo | HBAR | USDC HTS | \~5s | \$0.0001 |
| [Stellar](/chains/stellar) | Short memo | XLM | USDC issuer | \~5s | sub-cent |
| [Base](/chains/base) | Amount-only | ETH | USDC ERC-20 | \~2s | \$0.001 to \$0.05 |
| [Solana](/chains/solana) | Reference pubkey | SOL | USDC SPL | under 1s | \$0.00025 |
| [Tempo](/chains/tempo) | Amount-only | ETH | USDCe TIP-20 | \~2s | sub-cent |
| [Arc](/chains/arc) *(from Sep 2026)* | Amount-only | USDC | USDC native | \~2s | sub-cent |

Arc is Circle's USDC-native EVM L1 (chain ID 5042). Its mainnet RPC is not live yet: AlgoVoi's Arc settlement, verification and recurring-pull support ship in the bundle now and go live when Arc mainnet opens in September 2026. Arc testnet (chain ID 5042002) is available today.

## Binding mechanisms

How AlgoVoi knows that a specific on-chain transaction satisfies a specific checkout:

### Memo binding (Algorand, VOI, Hedera)

Transactions carry a note or memo field. AlgoVoi puts `algovoi:{token}` in the memo. The verifier matches by memo content.

### Short text memo (Stellar)

Same as memo binding, but Stellar caps `MEMO_TEXT` at 28 bytes. AlgoVoi uses a shortened `av:{token[:20]}` form.

### Reference pubkey (Solana)

Solana doesn't have arbitrary memos, so AlgoVoi uses [Solana Pay's reference mechanism](/protocols/solana-actions). A fresh ed25519 pubkey is generated per checkout and included as a non-signer account in the transaction. The verifier looks up the settling tx via `getSignaturesForAddress(reference)`.

### Amount-only (Base, Tempo, Arc)

EVM ERC-20 / TIP-20 transfers don't carry memos. AlgoVoi binds checkouts by amount uniqueness: each checkout's amount is slightly randomised so two open checkouts for the same target amount can be distinguished.

## Stablecoin notes

| Chain | Stablecoin | On-chain identifier |
| - | - | - |
| Algorand mainnet | USDC | ASA `31566704` |
| VOI mainnet | aUSDC | ARC-200 `302190` |
| Hedera mainnet | USDC | HTS `0.0.456858` |
| Stellar mainnet | USDC | `USDC:GA5ZSEJYB37JRC5AVCIA5MOP4RHTM335X2KGX3IHOJAPP5RE34K4KZVN` |
| Base mainnet | USDC | ERC-20 `0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913` |
| Solana mainnet | USDC | SPL mint `EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v` |
| Tempo mainnet | USDCe | TIP-20 `0x20c000000000000000000000b9537d11c60e8b50` |
| Arc mainnet *(from Sep 2026)* | USDC | native gas token, precompile `0x3600000000000000000000000000000000000000` |

USDC has 6 decimals on every chain except Stellar (7 decimals) and Arc, where USDC is the native gas token with 18 decimals.

## Native asset support

Every chain also supports native-asset payments (ALGO, VOI, HBAR, XLM, ETH, SOL). Native payments are less common because the price is volatile, but they're useful for chain-only environments where stablecoin issuance hasn't arrived yet.

## Picking a chain

If you're starting from zero:

* **Cheapest fees**: Solana (~~\$0.00025) or Algorand (~~\$0.0002)
* **Fastest confirmation**: Solana (sub-second) or Base / Tempo (\~2s)
* **Most existing wallets**: Base (any EVM wallet) or Solana (Phantom et al)
* **If your customers already have tokens on a specific chain**: just enable that chain

For a multi-chain offer, configure two or three payouts and let the customer choose at checkout.

## See also

* Per-chain detail pages, one per chain in the navigation under **Chains**
* [x402 protocol](/protocols/x402) for the multi-chain quote shape


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