# Unheld > Unheld is a non-custodial crypto payment gateway that lets merchants accept > BTC, ETH, USDC, USDT, POL, and BNB across supported networks — paid directly > to wallets only the merchant controls, with flat subscription pricing and no > percentage fees — through a no-code dashboard, shareable payment links, and > a REST API. > > "Unheld" means exactly what it says: your money is never held — no custody, > no intermediaries, no percentage fees. ## Solutions - [Accept crypto payments — straight to your own wallet](https://unheld.io/): Accept Bitcoin, Ether and USDC directly to a wallet only you control. - [Pricing — flat plans, 0% of every payment](https://unheld.io/pricing/): Flat monthly plans priced by transaction count, never a percentage of the payment. Live tiers, included transactions, customer caps and overage rates. - [Crypto payment API — direct settlement, signed webhooks](https://unheld.io/developers/): REST API for crypto payments that settle straight to your own wallet: create an invoice in one request, verify signed webhooks, and test the whole flow free on testnet. - [Non-custodial crypto payments — funds never touch us](https://unheld.io/non-custodial-crypto-payments/): A crypto payment gateway that never holds your money: payments settle directly to a wallet only you control, so there is no balance to withdraw and no payout to freeze. - [Supported crypto payment networks and assets](https://unheld.io/supported-networks/): Every blockchain network and asset Unheld can accept payments on today, generated from the live product with confirmation thresholds and the date it was verified. - [Supported crypto payment currencies — live list](https://unheld.io/supported-currencies/): Every enabled payment asset and the mainnets and testnets where Unheld supports it. - [Crypto payment testnets — test before going live](https://unheld.io/testnets/): Enabled test networks, test assets and confirmation settings for payment integration testing. - [Crypto payment link — get paid without a website](https://unheld.io/payment-links/): Create a crypto payment link in the dashboard, share it anywhere, and the money arrives in a wallet only you control. No website, no code, no percentage taken. - [Recurring crypto payments without card-on-file](https://unheld.io/subscriptions/): Recurring crypto billing with nothing stored to charge: a permanent deposit address per subscriber, renewal on payment, and the webhooks that tell your app to grant access. - [A unique crypto deposit address for every user](https://unheld.io/platforms/): Give each of your users a permanent crypto deposit address derived from your own wallet, with every payment attributed back to your own user id by webhook. - [Add crypto checkout without replacing your existing payments](https://unheld.io/ecommerce/): Add a crypto payment option to the store you already run — one link in your page, no JavaScript, no key in the browser, and your card checkout untouched. - [Send a crypto invoice and keep the full payment](https://unheld.io/freelancers/): Invoice a client in crypto, send one link, and the money arrives in your own wallet — no percentage taken, no account holding your funds, no payout to wait for. - [Accept Bitcoin payments to your own wallet](https://unheld.io/accept/bitcoin/): Take Bitcoin straight to a wallet only you control: a fresh address for every invoice, derived from your own extended public key, with no custody and no percentage fee. - [Accept Ethereum payments to your own wallet](https://unheld.io/accept/ethereum/): Take Ether straight to a wallet only you control, on Ethereum or Base, with exact payment status, smart-contract wallet payments detected, no custody and no percentage fee. - [How the Bitcoin network settles a payment](https://unheld.io/networks/bitcoin/): What a Bitcoin confirmation actually buys you, how long settlement really takes, what a transfer costs and who pays it — the network as a payment rail. - [How EVM chains work as payment rails](https://unheld.io/networks/evm/): Why one address works on every EVM chain, what gas pays for, why a token’s decimals cannot be assumed, and what really happens when a payment lands on the wrong network. - [How the Ethereum network settles a payment](https://unheld.io/networks/ethereum/): What an Ethereum confirmation means, how long settlement takes, what gas costs and who pays it, and the wrong-network mistake that loses money on EVM chains. - [Crypto payment security — non-custodial by design](https://unheld.io/security/): How Unheld handles keys, what it stores, what it cannot do even if compromised, and the security work that has not been done yet — stated plainly. - [Accept crypto payments on Base](https://unheld.io/networks/base/): Base settles ETH and USDC straight to a wallet only you control, confirmed at 12 blocks. - [Accept crypto payments on Polygon PoS](https://unheld.io/networks/polygon/): Polygon PoS settles POL and USDC straight to a wallet only you control, confirmed at 12 blocks. - [Accept crypto payments on BNB Chain](https://unheld.io/networks/bnb-chain/): BNB Chain settles BNB and USDT straight to a wallet only you control, confirmed at 12 blocks. - [Accept crypto payments on Lisk](https://unheld.io/networks/lisk/): Lisk settles ETH straight to a wallet only you control, confirmed at 12 blocks. - [Accept crypto payments on Tron](https://unheld.io/networks/tron/): Tron settles TRX and USDT straight to a wallet only you control, confirmed at 19 blocks. - [Accept crypto payments on Solana](https://unheld.io/networks/solana/): Solana settles SOL, USDC and USDT straight to a wallet only you control, confirmed at 32 blocks. - [Accept crypto payments on XRP Ledger](https://unheld.io/networks/xrp/): XRP Ledger settles XRP straight to a wallet only you control, confirmed at 1 blocks. - [Accept USD Coin (USDC) payments](https://unheld.io/accept/usdc/): Take USDC on Ethereum, Base, Polygon PoS and Solana, paid directly to your own wallet with no custody and no percentage fee. - [Accept Tether USD (USDT) payments](https://unheld.io/accept/usdt/): Take USDT on Ethereum, BNB Chain, Tron and Solana, paid directly to your own wallet with no custody and no percentage fee. - [Accept POL payments](https://unheld.io/accept/pol/): Take POL on Polygon PoS, paid directly to your own wallet with no custody and no percentage fee. - [Accept BNB payments](https://unheld.io/accept/bnb/): Take BNB on BNB Chain, paid directly to your own wallet with no custody and no percentage fee. - [Accept TRON (TRX) payments](https://unheld.io/accept/trx/): Take TRX on Tron, paid directly to your own wallet with no custody and no percentage fee. - [Accept Solana (SOL) payments](https://unheld.io/accept/sol/): Take SOL on Solana, paid directly to your own wallet with no custody and no percentage fee. - [Accept XRP payments](https://unheld.io/accept/xrp/): Take XRP on XRP Ledger, paid directly to your own wallet with no custody and no percentage fee. - [Test crypto payments on Ethereum Sepolia](https://unheld.io/testnets/ethereum-sepolia/): Test invoices, detection, 2-block confirmation and webhooks on Ethereum Sepolia with ETH and USDC that cost nothing. - [Test crypto payments on BNB Chain Testnet](https://unheld.io/testnets/bnb-chain-testnet/): Test invoices, detection, 2-block confirmation and webhooks on BNB Chain Testnet with BNB that cost nothing. - [Test crypto payments on Bitcoin Testnet4](https://unheld.io/testnets/bitcoin-testnet/): Test invoices, detection, 2-block confirmation and webhooks on Bitcoin Testnet4 with BTC that cost nothing. - [Test crypto payments on Tron Testnet](https://unheld.io/testnets/tron-testnet/): Test invoices, detection, 19-block confirmation and webhooks on Tron Testnet with TRX that cost nothing. - [Test crypto payments on Solana Devnet](https://unheld.io/testnets/solana-devnet/): Test invoices, detection, 32-block confirmation and webhooks on Solana Devnet with SOL that cost nothing. - [Test crypto payments on XRP Testnet](https://unheld.io/testnets/xrp-testnet/): Test invoices, detection, 1-block confirmation and webhooks on XRP Testnet with XRP that cost nothing. - [Accept ETH on Ethereum](https://unheld.io/accept/ethereum/ethereum/): ETH payments on Ethereum: 18 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept ETH on Base](https://unheld.io/accept/ethereum/base/): ETH payments on Base: 18 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept ETH on Lisk](https://unheld.io/accept/ethereum/lisk/): ETH payments on Lisk: 18 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDC on Ethereum](https://unheld.io/accept/usdc/ethereum/): USDC payments on Ethereum: 6 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDC on Base](https://unheld.io/accept/usdc/base/): USDC payments on Base: 6 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDC on Polygon PoS](https://unheld.io/accept/usdc/polygon/): USDC payments on Polygon PoS: 6 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDC on Solana](https://unheld.io/accept/usdc/solana/): USDC payments on Solana: 6 decimals, 32 confirmations, and settlement direct to your own wallet. - [Accept USDT on Ethereum](https://unheld.io/accept/usdt/ethereum/): USDT payments on Ethereum: 6 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDT on BNB Chain](https://unheld.io/accept/usdt/bnb-chain/): USDT payments on BNB Chain: 18 decimals, 12 confirmations, and settlement direct to your own wallet. - [Accept USDT on Tron](https://unheld.io/accept/usdt/tron/): USDT payments on Tron: 6 decimals, 19 confirmations, and settlement direct to your own wallet. - [Accept USDT on Solana](https://unheld.io/accept/usdt/solana/): USDT payments on Solana: 6 decimals, 32 confirmations, and settlement direct to your own wallet. ## Compare - [Crypto payment gateways compared](https://unheld.io/vs/): Custody model, share of payment value, business verification and settlement for seven ways to accept crypto — each read from the provider’s own pricing page, with the date checked. - [Unheld vs BTCPay Server](https://unheld.io/vs/btcpay-server/): How Unheld and BTCPay Server differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs NOWPayments](https://unheld.io/vs/nowpayments/): How Unheld and NOWPayments differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs DePay](https://unheld.io/vs/depay/): How Unheld and DePay differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs Coinbase Commerce](https://unheld.io/vs/coinbase-commerce/): How Unheld and Coinbase Commerce differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs CoinGate](https://unheld.io/vs/coingate/): How Unheld and CoinGate differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs BitPay](https://unheld.io/vs/bitpay/): How Unheld and BitPay differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. - [Unheld vs A wallet address](https://unheld.io/vs/wallet-address/): How Unheld and A wallet address differ on custody, share of payment value, business verification and settlement — read from published pricing pages, with the date checked. ## Tools - [Crypto payment gateway fee calculator](https://unheld.io/tools/fee-calculator/): Compare what a percentage-based crypto gateway takes from your payments against a flat monthly plan, using each provider’s own published rate. ## Guides - [Crypto payment states: detected, confirming, paid](https://unheld.io/guides/payment-states/): The four states a crypto invoice moves through, why "confirming" is not "paid", and what it costs to release goods on the wrong one. - [When a customer underpays a crypto invoice](https://unheld.io/guides/underpayment/): Underpaid and overpaid crypto invoices, how partial payments accumulate, and why direct settlement changes what you can do about it. - [Crypto payment confirmations explained](https://unheld.io/guides/confirmations/): What a confirmation actually is, why networks need different numbers of them, and why the threshold is a security decision rather than a speed setting. - [Reconcile on-chain crypto payments automatically](https://unheld.io/guides/reconciliation/): Why a shared wallet address makes payment attribution guesswork, and how a fresh address per invoice makes reconciliation structural instead of manual. - [Which network should you accept USDC on?](https://unheld.io/guides/choosing-a-network/): The same stablecoin exists on several networks, and they are not interchangeable. What actually differs, and who pays for the difference. ## Company - [About & Contact](https://unheld.io/about/): Who operates Unheld, our current status, and how to reach us. - [Terms of Service](https://unheld.io/terms/): The agreement between you and Unheld, including what non-custodial means for your responsibilities. - [Cookie Policy](https://unheld.io/cookies/): What Unheld stores in your browser and why. Analytics loads only after you accept, and nothing beyond your choice is stored if you decline. - [Privacy Policy](https://unheld.io/privacy/): What we collect, who processes it, and what we never receive — recovery phrases never reach our servers. ## Supported chains Live on mainnet as of August 2026. Each has a free testnet twin. - Bitcoin Mainnet: BTC - Ethereum Mainnet: ETH, USDC, USDT - Base: ETH, USDC - Polygon PoS: POL, USDC - BNB Chain: BNB, USDT - Lisk: ETH - Tron: TRX, USDT - Solana: SOL, USDC, USDT - XRP Ledger: XRP ## EVM networks FAQ More detail: https://unheld.io/networks/evm/ - Q: Why is my address the same on Ethereum, Base and Polygon? A: Because an EVM address is calculated from your key alone — the last twenty bytes of the hash of your public key — and no network takes part in that calculation. The address therefore exists on every EVM chain at once, without being created on any of them. One key, one address, every chain in the family. - Q: What happens if a payment is sent on the wrong EVM network? A: It arrives — at the same address, on the other chain. Because the address is valid there too, nothing bounces and nothing warns anybody. The money is not destroyed and whoever holds the key can still reach it, but the invoice was watching a different network, so it does not credit and the two of you have to sort it out directly. - Q: Is money sent to the wrong chain lost forever? A: Not between EVM chains, despite what most guides say: the key that controls the address controls it everywhere in the family, so the funds are reachable. It IS unrecoverable if an EVM asset is sent to a Bitcoin, Tron or Solana address, because your key means nothing there — or if a token is sent to a contract with no way to release it. - Q: Why does sending a token cost more than sending the chain’s own currency? A: Because a token transfer runs a contract and a plain transfer does not. Gas prices computation, so the extra work costs extra. A standard native transfer is fixed at 21,000 gas; a token transfer is several times that, and both cost more when the chain is busy. - Q: Does every token use 18 decimal places? A: No, and assuming so is a real source of expensive bugs. The token standard makes decimals optional and says explicitly that callers must not expect the field to be present, so it belongs to each individual contract. USDT uses six decimals on Ethereum and eighteen on BNB Chain. Read the value from the contract on the chain you are on. - Q: If my address works everywhere, can someone replay my transaction on another chain? A: No. Each EVM chain has its own chain id and it is included in what you sign, so a signature valid on one network is invalid on the others. Your address is shared across chains but your signature is not — which is the protection you have, and also why the wrong-network mistake is so easy to make. - Q: Is being paid on a layer 2 different from being paid on Ethereum? A: Not in what you have to do. A layer 2 runs transactions itself and posts the data back to Ethereum, where it ultimately settles, and the practical effect for a payment is a lower fee. The money still arrives at your address on that network, and you still watch that network for it. ## Tron FAQ More detail: https://unheld.io/networks/tron/ - Q: How long does a Tron payment take to confirm? A: It appears within a few seconds — blocks arrive every three seconds — and the network treats it as irreversible after 19 blocks, about 57 seconds. Call it under a minute from send to solid. - Q: Why does sending USDT on Tron need TRX? A: A USDT transfer is smart-contract work, and contract work consumes energy. Energy comes from staking TRX or from burning a small amount of it with the transaction — so a wallet needs a little TRX alongside its USDT. A wallet holding only USDT and no TRX cannot send until it is topped up. - Q: Is USDT on Tron the same as USDT on Ethereum? A: The same dollar from the same issuer, on two different networks — like the same currency in two different bank accounts. Value is equivalent, but the rails never mix: a TRC-20 transfer must go to a Tron address and an ERC-20 transfer to an Ethereum address, and crossing them loses the money. - Q: What happened to USDC on Tron? A: Circle discontinued it: minting stopped in February 2024 and support wound down through 2025. Today it is a stranded asset rather than a live payment rail — which is why this page lists USDT as Tron’s stablecoin, and USDC belongs on Ethereum, Base or Polygon. - Q: What are Tron energy and bandwidth? A: Tron’s replacement for gas. Bandwidth pays for simple transactions and every account accrues a small daily allowance of it; energy pays for smart-contract execution and comes from staking or burning TRX. Together they make simple transfers close to free and USDT transfers cost cents. - Q: Why is USDT-TRC20 so popular for payments? A: Cost and speed, compounded by habit: transfers cost cents and are final in under a minute, so exchanges and remittance services standardised on it, so wallets across emerging markets filled with TRC-20 USDT, so merchants accept what their customers already hold. By transfer count it is the most-used stablecoin rail in the world. - Q: What does a Tron address look like? A: It starts with a capital T and runs 34 characters — T9yD14Nj9j7xAB4dbGeiX9h8unkKHxuWwb is the shape. Underneath it is the same kind of key as an Ethereum address in a different encoding, which is exactly why the two must never be mixed: the 0x spelling of a Tron address is not a place money can be recovered from. ## Solana FAQ More detail: https://unheld.io/networks/solana/ - Q: How long does a Solana payment take to confirm? A: Under a second to appear and be confirmed, and about thirteen seconds more to be finalized. Slots arrive roughly every 400 milliseconds, and there are typically 32 of them between a confirmed block and a finalized one — which is where that second figure comes from. - Q: What does it cost to send a payment on Solana? A: A base fee of 5,000 lamports per signature, a lamport being one billionth of a SOL, so comfortably under a tenth of a cent. A sender can add an optional priority fee to be included sooner when the network is busy. Neither scales with the amount being sent. - Q: Why does receiving USDC on Solana need a token account? A: Because tokens do not sit at an address here. Each address has a separate account per token it holds, and tokens cannot be sent to one that does not exist yet. Wallets and exchanges normally create it as part of the first payment, so this is usually invisible — but it is why a brand-new address is not, by itself, ready to receive USDC. - Q: What does opening a token account cost, and who pays it? A: About 0.00203928 SOL, and whoever sends the first payment normally covers it. It is a rent-exempt deposit rather than a fee, so it stays with the account instead of being consumed, and it is paid once per address-and-token pair — not once per payment. Each token needs its own account, so USDC and USDT each cost it separately. - Q: Can a customer pay in USDC if they hold no SOL? A: No. The network fee is paid in SOL, so a wallet holding only stablecoins cannot send until it holds a little of the native currency. The amount needed is tiny — a fraction of a cent — but it cannot be zero. - Q: Is USDC on Solana the same as USDC on Ethereum? A: The same dollar from the same issuer, on a different network — like the same currency in two bank accounts. The value is equivalent but the rails never mix: a Solana transfer must go to a Solana address, and sending it to an Ethereum address loses it. - Q: Is Solana’s block time really 400 milliseconds? A: Today, yes, though slots can run a little longer under load. It is also being reduced: a staged cut to 200 milliseconds in four steps is scheduled, described by its own maintainers as tentative, and had not activated on mainnet when this page was last checked. Treat any flat statement of 400 milliseconds — including this one — as a snapshot with a date on it. ## XRP Ledger FAQ More detail: https://unheld.io/networks/xrp/ - Q: How long does an XRP payment take to confirm? A: Three to five seconds, and then it is final rather than merely likely. A new ledger closes on that cadence and a payment inside a validated ledger cannot be undone, which is why the confirmation count for this network is 1 instead of the ten or twenty you see elsewhere. - Q: What does it cost to send XRP? A: A fixed minimum of ten drops — one hundred-thousandth of an XRP — which is a fraction of a cent. Unusually, that amount is destroyed rather than paid to anyone. There is no validator earning it and no fee auction to win, so the cost does not spike when the network is busy the way gas does. - Q: Why does an XRP address need to be activated? A: The ledger charges every account a permanently locked base reserve, currently 1 XRP, to stop anyone creating millions of empty accounts and bloating the ledger for everybody else. Until an address has received at least that much it is not an account, and a smaller payment cannot create one. The reserve stays yours — it is locked, not spent — and it is charged once per address rather than once per payment, so it is a cost of having a place to be paid, not a cost of each invoice. - Q: What is a destination tag and do I need one? A: It is a number sent alongside a payment so a business sharing one address between many customers can tell whose money just arrived. Paying a personal or merchant address needs no tag. Sending to an exchange or custodian almost always does, and leaving it off usually means the funds land somewhere real but unattributed, which is a support conversation rather than a lost coin. - Q: Can I accept USDT on the XRP Ledger? A: No. Tether does not issue USDT on the XRP Ledger, so an offer to pay you in it is a misunderstanding at best. If you need a dollar-denominated invoice, take USDC or USDT on Ethereum, Base or Polygon, or USDT on Tron. - Q: Why does XRP need only one confirmation when Bitcoin needs several? A: They make a payment safe in different ways. Bitcoin buries a transaction under work until rewriting history costs more than the payment is worth, so depth is the safety and more blocks mean more of it. The XRP Ledger agrees on the exact contents of a ledger before declaring it valid, so there is nothing left to bury — the payment is either in a validated ledger or it is not. - Q: How many decimal places does XRP have? A: Six. The smallest unit is a drop and one million drops make one XRP, so amounts are always whole numbers of drops underneath. Anything more precise than six places cannot be expressed on this ledger and will be rejected or rounded rather than sent. ## BNB Chain FAQ More detail: https://unheld.io/networks/bnb-chain/ - Q: How long does a BNB Chain payment take to confirm? A: A few seconds. Blocks arrive roughly every 0.45 seconds, so the 12 confirmations this product waits for take about 5 seconds in total. It is the fastest settlement of any EVM network here. - Q: Is BNB Chain’s block time really three seconds? A: Not any more, and this is worth checking whenever you read about this chain. It was three seconds for years, then 0.75, and since January 2026 it has been about 0.45 seconds. A great deal of published material still quotes the old figure. - Q: How many decimals does USDT have on BNB Chain? A: 18, where the same token on Ethereum and Tron has six. This is the single most common integration bug on this chain: code written against Ethereum’s USDT and pointed at this one misreads every amount by a factor of a trillion. Read the value from the contract rather than assuming it. - Q: Can I accept USDC on BNB Chain? A: Not through this product. BNB Chain carries BNB and USDT here; if you need USDC, take it on Ethereum, Base or Polygon instead. - Q: Is USDT on BNB Chain the same as USDT on Ethereum? A: The same dollar from the same issuer, on a different network — equivalent in value, never interchangeable at the address level, and, as above, counted with a different number of decimal places. A transfer must go to an address on the network it was sent from. ## Polygon FAQ More detail: https://unheld.io/networks/polygon/ - Q: Is POL the same thing as MATIC? A: Yes — the same asset, renamed and upgraded one-for-one. POL replaced MATIC as the native gas and staking token on Polygon PoS in September 2024, and for anyone holding it on the chain the change was automatic with nothing to do. Some wallets still display the old label, which is a display issue rather than a different token. - Q: Why are there two kinds of USDC on Polygon? A: Because USDC reached Polygon by bridge before Circle issued it here directly. The bridged version was renamed USDC.e when native USDC launched, so the two could be told apart. Native USDC is the one issued by Circle and redeemable with Circle; USDC.e is not, and Circle does not support it in its own accounts. - Q: Which USDC does an invoice here settle in? A: The native one — the version Circle issues. They are separate tokens at separate contract addresses, so a payment in USDC.e will not settle an invoice priced in native USDC. If a customer has held a USDC balance on Polygon for years, it is worth them checking which they have. - Q: How long does a Polygon payment take to confirm? A: Blocks arrive every couple of seconds, and the 12 confirmations this product waits for pass in well under a minute. We do not quote an exact figure in seconds, because Polygon’s own documentation does not publish one we can cite. - Q: Can I accept USDT on Polygon? A: Not through this product. Polygon carries POL and USDC here; if you need USDT, take it on Ethereum, BNB Chain or Tron. ## Base FAQ More detail: https://unheld.io/networks/base/ - Q: Is there a Base token? A: No. Base does not have a token of its own, and there is nothing to hold or price an invoice in. Payments here settle in Ether, and Ether is what covers the network fee — the same asset as on Ethereum mainnet, on a different network. - Q: Why are there two kinds of USDC on Base? A: Because USDC reached Base by bridge before Circle issued it here directly. The bridged version carries the ticker USDbC and is not issued by Circle; the native one is, and is redeemable with Circle. Worth noting that Polygon has the same split but calls its bridged version USDC.e, so the two chains spell the same trap differently. - Q: Which USDC does an invoice here settle in? A: The native one — the version Circle issues. USDbC is a separate token at a separate contract address, so a payment in it will not settle an invoice priced in native USDC. - Q: How long does a Base payment take to confirm? A: Blocks arrive every two seconds, so the 12 confirmations this product waits for pass in well under a minute. Base has also introduced Flashblocks, which cuts the effective wait to around two hundred milliseconds — so treat any flat two-second figure, including the one above, as the base layer rather than what a payer experiences. - Q: Does being a layer 2 change anything about being paid? A: Not in what you do. Base runs transactions itself and posts the data to Ethereum, where they ultimately settle, and the practical effect is a lower fee. The money arrives at your address on Base, and Base is the network to watch for it. ## Lisk FAQ More detail: https://unheld.io/networks/lisk/ - Q: Why would I accept payments on a chain nobody has heard of? A: Because of two numbers: it settles in seconds rather than minutes, and its fees are a small fraction of Ethereum mainnet, which together make small payments practical in a way they are not elsewhere. Whether that beats the obscurity depends entirely on your customers — if they already hold funds here it is the best network on this list, and if they do not, it is the worst. - Q: Can I accept the LSK token? A: No. LSK is a real token — it trades on exchanges and exists as an ERC-20 on Ethereum — but it is not an asset in Unheld, and it is not what this network runs on. Gas on Lisk is paid in Ether, and an invoice here is priced and paid in Ether too. The slug names the network, not a token. - Q: Does my customer have to bridge funds to pay me? A: If their Ether is on Ethereum mainnet, yes — it has to be moved to this network first, and that costs a mainnet fee and some minutes. This is the single biggest reason to offer Lisk alongside another network rather than on its own. Customers who already operate on layer 2s skip the step entirely. - Q: Can I invoice in a stablecoin here? A: Not on this network at present — it carries Ether only, so an invoice moves with the Ether price between quote and settlement. The window is short because settlement is fast, but it is not zero. If holding the exact number matters, use a network where a stablecoin is enabled. - Q: Is a layer 2 as safe to accept payments on? A: For the purpose of receiving a payment, the properties you care about are the same: the money arrives at an address derived from your own wallet, we never hold it, and a confirmed transaction is final. A layer 2 derives its security from Ethereum rather than standing alone, which is reflected in the confirmation depth shown on the supported networks page. ## Sources for /networks/bitcoin - Bitcoin Developer Guide, “Block Chain”: https://developer.bitcoin.org/devguide/block_chain.html (checked 2026-08-29) - Satoshi Nakamoto, “Bitcoin: A Peer-to-Peer Electronic Cash System”: https://bitcoin.org/bitcoin.pdf (checked 2026-08-29) - Bitcoin Improvement Proposals, “BIP 141: Segregated Witness (Consensus layer)”: https://github.com/bitcoin/bips/blob/master/bip-0141.mediawiki (checked 2026-08-29) - Bitcoin Improvement Proposals, “BIP 125: Opt-in Full Replace-by-Fee Signaling”: https://github.com/bitcoin/bips/blob/master/bip-0125.mediawiki (checked 2026-08-29) ## Sources for /networks/ethereum - ethereum.org, “Proof-of-stake (PoS)”: https://ethereum.org/en/developers/docs/consensus-mechanisms/pos/ (checked 2026-08-29) - ethereum.org, “Gas and fees”: https://ethereum.org/en/developers/docs/gas/ (checked 2026-08-29) ## Sources for /networks/lisk - ethereum.org, “Scaling”: https://ethereum.org/en/developers/docs/scaling/ (checked 2026-08-29) ## Sources for /networks/base - Base Documentation, “Transaction Finality”: https://docs.base.org/base-chain/network-information/transaction-finality (checked 2026-08-29) - Base, “Building for the long-term: making Base faster, simpler, and more powerful”: https://blog.base.org/building-for-the-long-term-making-base-faster-simpler-and-more-powerful (checked 2026-08-29) - Circle, “What you need to know: Native USDC on Base”: https://www.circle.com/blog/need-to-know-native-usdc-on-base (checked 2026-08-29) ## Sources for /networks/polygon - Polygon Developer Docs, “Migrate to POL”: https://docs.polygon.technology/pos/concepts/tokens/matic-to-pol/ (checked 2026-08-29) - Polygon, “MATIC to POL Migration Is Now Live”: https://polygon.technology/blog/matic-to-pol-migration-is-now-live-everything-you-need-to-know (checked 2026-08-29) - Circle, “What you need to know: Native USDC on Polygon PoS”: https://www.circle.com/blog/what-you-need-to-know-native-usdc-on-polygon-pos (checked 2026-08-29) ## Sources for /networks/bnb-chain - BNB Chain Documentation, “BNB Smart Chain overview”: https://docs.bnbchain.org/bnb-smart-chain/overview/ (checked 2026-08-29) - BNB Chain, “Fermi Hard Fork Accelerates BSC to 0.45-Second Block Times”: https://www.bnbchain.org/en/blog/fermi-hard-fork-accelerates-bsc-to-0-45-second-block-times (checked 2026-08-29) - BNB Chain, “The Coming Fast Finality On BSC”: https://www.bnbchain.org/en/blog/the-coming-fastfinality-on-bsc (checked 2026-08-29) - Ethereum Improvement Proposals, “ERC-20: Token Standard”: https://eips.ethereum.org/EIPS/eip-20 (checked 2026-08-29) ## Sources for /networks/evm - ethereum.org, “Ethereum accounts”: https://ethereum.org/en/developers/docs/accounts/ (checked 2026-08-29) - Ethereum Improvement Proposals, “EIP-155: Simple replay attack protection”: https://eips.ethereum.org/EIPS/eip-155 (checked 2026-08-29) - ethereum.org, “Gas and fees”: https://ethereum.org/en/developers/docs/gas/ (checked 2026-08-29) - Ethereum Improvement Proposals, “ERC-20: Token Standard”: https://eips.ethereum.org/EIPS/eip-20 (checked 2026-08-29) - ethereum.org, “Scaling”: https://ethereum.org/en/developers/docs/scaling/ (checked 2026-08-29) ## Sources for /networks/solana - Solana Documentation, “Transaction Confirmation & Expiration”: https://solana.com/developers/guides/advanced/confirmation (checked 2026-08-29) - Solana, “Reduced Slot Times”: https://solana.com/upgrades/reduced-slot-times (checked 2026-08-29) - Solana Documentation, “How Payments Work on Solana”: https://solana.com/docs/payments/how-payments-work (checked 2026-08-29) - Solana Documentation, “Terminology”: https://solana.com/docs/references/terminology (checked 2026-08-29) - Solana Documentation, “Add Solana to Your Exchange”: https://solana.com/developers/guides/advanced/exchange (checked 2026-08-29) ## Sources for /networks/xrp - XRP Ledger Documentation, “Ledger Close Times”: https://xrpl.org/docs/concepts/ledgers/ledger-close-times (checked 2026-08-29) - XRP Ledger Documentation, “Finality of Results”: https://xrpl.org/docs/concepts/transactions/finality-of-results (checked 2026-08-29) - XRP Ledger Documentation, “Transaction Cost”: https://xrpl.org/docs/concepts/transactions/transaction-cost (checked 2026-08-29) - XRP Ledger Documentation, “Reserves”: https://xrpl.org/docs/concepts/accounts/reserves (checked 2026-08-29) - XRP Ledger Documentation, “Source and Destination Tags”: https://xrpl.org/docs/concepts/transactions/source-and-destination-tags (checked 2026-08-29) ## Sources for /networks/tron - TRON Developer Hub, “What is TRON”: https://developers.tron.network/docs/what-is-tron (checked 2026-08-29) - TRON Developer Hub, “Transactions”: https://developers.tron.network/docs/tron-protocol-transaction (checked 2026-08-29) - TRON Developer Hub, “Resource Model”: https://developers.tron.network/docs/resource-model (checked 2026-08-29) - Circle, “Circle is Discontinuing Support for USDC on the TRON Blockchain”: https://www.circle.com/blog/circle-is-discontinuing-support-for-usdc-on-the-tron-blockchain (checked 2026-08-29) ## Notes - Funds are never held by Unheld; payments land on addresses derived from the merchant's own wallet, and only a watch-only public key is stored. - Pricing is a flat subscription by monthly transaction count, never a percentage of the amount. - Pages not listed above do not exist yet. This file is the complete map. Last updated: 2026-08-01