Circle

Circle is a US-based financial technology company headquartered in Boston, best known as the issuer of USDC, a fully-reserved US dollar stablecoin available on more than 19 blockchain networks. Circle also issues EURC, a euro-denominated stablecoin. The company’s wallet offering is not a consumer app but a developer product, now branded simply as Circle Wallets, which provides wallet infrastructure for businesses building on-chain applications. Circle’s earlier consumer wallet, Circle Pay, was discontinued in 2019.

Circle Wallets is a Wallet-as-a-Service that lets developers embed crypto wallets directly into their applications via API. The product offers three wallet types: embedded wallets for direct in-app integration, developer-controlled wallets using MPC key management, and modular wallets built on smart contract account architecture. Features include gas abstraction, policy controls, and a sandbox environment for testing before production deployment on the Circle developer console. Pricing is usage-based, billed per active wallet and per transaction.

Supported networks:

• Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche
• Solana, Aptos, NEAR, Unichain
• Additional EVM-compatible chains

The platform covers native coins as well as ERC-20, ERC-721, ERC-1155, and SPL token standards. Alongside its wallet infrastructure, Circle operates Circle Mint for institutional USDC minting and redemption, the Cross-Chain Transfer Protocol (CCTP) for native USDC transfers between chains, and Arc, its own Layer-1 blockchain. Circle is regulated by the New York State Department of Financial Services as a Virtual Currency Business and publishes monthly reserve attestations for USDC.