Stablecoins

Mavapay provides a USDT wallet that you can use to collect stablecoin deposits from customers and send USDT to external addresses.

Overview

USDT balances live in your Mavapay USDT wallet, separate from your BTC and fiat wallets. You can:

Generate a deposit address on a supported network
Share that address with your customer
Receive a payment.received webhook when the deposit is credited (or FAILED if it cannot be credited)
Withdraw USDT to any address on a supported network

Check your USDT balance with the Get wallets endpoint (currency=USDT).

Supported Networks

Network	Request value	Address format
Tron (TRC20)	`trc20`	Tron address (`T...`)
Ethereum (ERC20)	`erc20`	Ethereum address (`0x...`)
Plasma	`plasma`	Plasma address
Solana	`solana`	Solana address
Polygon	`polygon`	Polygon / EVM address (`0x...`)

Use lowercase network values in requests (erc20, trc20). Address objects may return the network in uppercase (ERC20); webhook metadata uses lowercase (erc20).

Send USDT only on the network the address was generated for. USDT sent on the wrong chain cannot be recovered.

Amounts

USDT amounts in API requests, wallet balances, and webhooks are in cents (2 decimal places). 1 USDT = 100 cents:

Amount	USDT
`100`	1 USDT
`500`	5 USDT
`1000`	10 USDT
`500000`	5,000 USDT

Deposit address minAmount and maxAmount are returned in USDT, not cents. For example, "minAmount": "5" means deposits below 5 USDT may not be credited. "maxAmount": "0" means there is no maximum.

Deposit USDT

1. Generate a deposit address

Call Generate a stablecoin deposit address with a label so you can identify the address later. You can create multiple addresses per network.

curl --request POST \
  --url https://api.mavapay.co/api/v1/collections/stablecoin/generate-address \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "label": "test 1",
    "currency": "USDT",
    "network": "erc20"
  }'

Sample response:

{
  "status": "ok",
  "message": "Address generated successfully",
  "data": {
    "id": "bdf9bbba-f562-4b10-abfb-b180404415b7",
    "address": "0x220303f911dbC38F09d13f8cC3ba8700f0Ca8C99",
    "currency": "USDT",
    "network": "ERC20",
    "memo": null,
    "reference": "test 1",
    "minAmount": "5",
    "maxAmount": "0",
    "walletId": "69a7129f-0a0a-484d-968f-2601bce85149",
    "updatedAt": "2026-08-20T10:09:46.288Z",
    "createdAt": "2026-08-20T10:09:46.288Z"
  }
}

Field	Description
`address`	Share this with the customer. They must send USDT on the matching network.
`memo`	Include this with the transfer when it is not `null`. Most supported networks do not require a memo.
`reference`	The `label` you supplied when generating the address.
`minAmount`	Minimum deposit in USDT.
`walletId`	The USDT wallet that will be credited.

2. List existing addresses

Retrieve previously generated addresses with List stablecoin deposit addresses:

curl --request GET \
  --url 'https://api.mavapay.co/api/v1/collections/stablecoin/addresses?currency=USDT' \
  --header 'x-api-key: YOUR_API_KEY'

Sample response:

{
  "status": "ok",
  "message": "Deposit addresses retrieved successfully",
  "data": [
    {
      "id": "41abd3c5-4fcd-4e8a-8c74-5702bb758f80",
      "walletId": "69a7129f-0a0a-484d-968f-2601bce85149",
      "address": "0xAdEd4E29eB636A5c6500c881812701eB0a7043A0",
      "network": "ERC20",
      "currency": "USDT",
      "memo": null,
      "reference": "test 1",
      "minAmount": "5",
      "maxAmount": "0",
      "createdAt": "2026-06-09T09:24:38.785Z",
      "updatedAt": "2026-06-09T09:24:38.785Z"
    }
  ]
}

3. Wait for the deposit webhook

After the transfer confirms on-chain, Mavapay core credits your USDT wallet and sends a payment.received webhook with currency: "USDT" and type: "DEPOSIT".

status: "SUCCESS" — the deposit is available in your USDT wallet
status: "FAILED" — the deposit was not credited. This can happen if the sending address is blacklisted, or in rare undocumented cases

Use the transaction id for idempotency. Match the deposit to a customer with stablecoinTransactionMetadata.address or reference. See USDT webhook examples.

Withdraw USDT

Withdraw from your USDT wallet to any address on a supported network.

curl --request POST \
  --url https://api.mavapay.co/api/v1/withdraw/stablecoin \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: YOUR_API_KEY' \
  --data '{
    "amount": "500000",
    "network": "trc20",
    "currency": "USDT",
    "address": "TLt6fwdcdD18S36L9oiikn4Z8hebgwbzwS",
    "customerReference": "customer-provided-reference"
  }'

Field	Required	Description
`amount`	Yes	Amount in USDT cents (2 decimal places). `"500000"` = 5,000 USDT
`network`	Yes	`trc20`, `erc20`, `plasma`, `solana`, or `polygon`
`currency`	Yes	Must be `USDT`
`address`	Yes	Destination address on the selected network
`customerReference`	No	Your identifier for this withdrawal. Returned on webhooks as `stablecoinTransactionMetadata.customerReference`

The destination address must be valid for the network you pass. A Tron address will fail on erc20, and an Ethereum address will fail on trc20.

You receive two payment.sent webhooks for a withdrawal:

Initiated — status: "PENDING" and hash is null
Completed — status: "SUCCESS" and hash is populated

See USDT webhook examples.

Webhooks

Event	When
`payment.received`	Deposit processed by Mavapay core. `SUCCESS` if credited; `FAILED` if it cannot be credited (for example a blacklisted sending address)
`payment.sent`	Withdrawal initiated (`PENDING`, `hash` is `null`) and again when it completes (`SUCCESS`, `hash` is set)

Testing

Use the staging environment while you integrate:

https://staging.api.mavapay.co/api/v1

Next steps

Generate deposit address

Create a USDT address on a supported network

Withdraw USDT

Send USDT from your Mavapay wallet

Get wallets

Check your USDT wallet balance

Webhook examples

Handle deposit and withdrawal events

Get Started

Payouts

Webhooks

Guides

Stablecoins

Overview

Supported Networks

Amounts

Deposit USDT

1. Generate a deposit address

2. List existing addresses

3. Wait for the deposit webhook

Withdraw USDT

Webhooks

Testing

Next steps

Generate deposit address

Withdraw USDT

Get wallets

Webhook examples

​Overview

​Supported Networks

​Amounts

​Deposit USDT

​1. Generate a deposit address

​2. List existing addresses

​3. Wait for the deposit webhook

​Withdraw USDT

​Webhooks

​Testing

​Next steps

Generate deposit address

Withdraw USDT

Get wallets

Webhook examples

Overview

Supported Networks

Amounts

Deposit USDT

1. Generate a deposit address

2. List existing addresses

3. Wait for the deposit webhook

Withdraw USDT

Webhooks

Testing

Next steps