Pharos to Monad USDC bridge

Send native USDC from Pharos to Monad with Circle's CCTP. No wrapped tokens, no slippage.

Fees on $1,000
from $0.55Plus operating costs · Oct 23, 2026
Arrives in
~1 minStandard transfer (fast finality) · Avg. attestation ~7s
Delivery
Native USDCBurn and mint via Circle CCTP
USDC
To your wallet after sign-in
You receive—.— USDC
How your money is secured
  • Non-custodial. Funds stay in your own wallet: an embedded wallet secured by Privy, or the wallet you connect. We never hold your keys.
  • Fees fixed at confirm. The price is signed when you confirm; nothing extra is taken later.
  • Native USDC. Circle's CCTP burns USDC on one chain and mints it on the other. No bridges, no wrapped tokens.
  • Every step on-chain. You get explorer links for each transaction and a shareable status page.
  • Circle's CCTP burns USDC on Pharos and mints the same amount on Monad. No pool, no wrapped token.
  • You see the total fee and the guaranteed minimum you'll receive before you sign.
  • Independent app built on Circle's public CCTP; not operated by Circle. How transfers are protected →

What it costs

Full fee schedule →
sendstables service charge
$0.50
Plus operating costs and margin, shown in the quote
Circle protocol fee
$0
Circle Forwarding Service
about $0.05
Your gas
$0
Arrives on Monad
up to $999.45

Example for $1,000, Circle's fees checked Oct 23, 2026. The app shows our exact fee and the guaranteed minimum before you confirm.

How the fee is calculated
PartRateNotes
sendstables fee0.05% service charge (min $0.10, no cap) plus operating costs and marginOperating costs and margin are added to the service charge. Our exact fee is in the quote.
Circle protocol fee$0Circle's fee for standard transfers from Pharos; an estimate.
Circle Forwarding Serviceabout $0.05 per transferCircle submits the mint on Monad; Circle's estimate when checked; the app shows the live fee before you confirm.
Your gas$0No PHAROS or MON needed in a sendstables wallet. A connected EVM wallet pays its own source-chain gas.
  1. Operating costs with a 30% margin are added to the service charge. Circle's fees and the amount received are estimates; the app shows live figures and the guaranteed minimum before you confirm.
  2. Circle's Forwarding Service fee is Circle's estimate when checked; the app shows the live fee before you confirm.
  3. A connected EVM wallet (instead of your sendstables wallet) pays its own PHAROS gas on Pharos.

How it works

  1. BurnYour USDC is burned by Circle's CCTP contract on Pharos.
  2. AttestCircle's attestation service signs the burn.
  3. MintThe same amount of native USDC is minted on Monad.
More about Pharos → Monad

Pharos reaches finality quickly, so a standard CCTP transfer is already fast, with no Fast Transfer fee. From Pharos to Monad, USDC typically takes about 1 minute as a standard transfer (Circle's average attestation from Pharos: ~7 seconds); Circle's Forwarding Service submits the mint on Monad.

On Pharos, with your sendstables wallet the fee payment, approval and burn are gas-sponsored, so you don't need any PHAROS for gas — just the USDC you're sending. If you connect your own EVM wallet instead, it pays the PHAROS gas for those transactions. On Monad, Circle's Forwarding Service submits the mint for you, so the recipient doesn't need any MON for gas on Monad.

CCTP burns and re-mints instead of using a pool, so there's no slippage and no wrapped token. Learn about CCTP.

How to move USDC from Pharos to Monad

  1. Sign in. Sign in with a one-time email code; no password is needed. You get a wallet on EVM chains, Solana and Stellar, with no seed phrase.
  2. Have USDC on Pharos. Deposit USDC on Pharos or use what's there. In your sendstables wallet you don't need any PHAROS for gas.
  3. Pick the route. On Swap chains, pick Pharos → Monad and enter the amount. To pay someone else, use Send and paste their address.
  4. Review the quote. Check our fee, Circle's fees and the minimum you'll receive. The fee is fixed once you confirm.
  5. Confirm. USDC is burned on Pharos, Circle attests it, and native USDC is minted on Monad.

Or ask your AI agent

MCP setup →

Connect Claude, Cursor or any MCP client and ask. It moves USDC within limits you set.

  • “Move 50 USDC from Pharos to Monad.”
Show the MCP tool call
MCP tool call
{
  "name": "swap_chains",
  "arguments": {
    "from": "Pharos",
    "to": "Monad",
    "amount": "50",
    "idempotency_key": "pharos-to-monad-0001",
    "max_fee_usd": 1
  }
}

FAQ

How much does it cost to move $1,000 USDC from Pharos to Monad, and how long does it take?

Moving $1,000 USDC from Pharos to Monad with sendstables has a service charge of $0.50 (0.05% at this amount) plus about $0.05 in Circle fees, about $0.55 combined before operating costs and margin. It arrives as native USDC minted by Circle's CCTP (no wrapped token) and typically takes about 1 minute as a standard transfer (Circle's average attestation from Pharos: ~7 seconds), with no PHAROS needed for gas in a sendstables wallet. Estimates checked Oct 23, 2026; the in-app quote shows our exact fee, Circle's live fee estimate and the guaranteed minimum you'll receive.

How long does it take to move USDC from Pharos to Monad?

It typically takes about 1 minute as a standard transfer (Circle's average attestation from Pharos: ~7 seconds). Times are estimates.

How much does it cost to bridge USDC from Pharos to Monad?

Our fee is 0.05% service charge (min $0.10, no cap) plus operating costs and margin (the cost margin is 30%). Circle's standard fee from Pharos: $0 when checked, plus a small Forwarding Service fee on Monad. The quote shows our exact fee, Circle's live fee estimate and the guaranteed minimum you'll receive before you sign.

Is the USDC I receive on Monad native or wrapped?

Native. CCTP burns USDC on Pharos and Circle mints the same amount on Monad. No wrapped token, no pool, no slippage.

Do I need PHAROS on Pharos or MON on Monad for gas?

Not with a sendstables wallet: we sponsor the PHAROS gas. A connected EVM wallet pays its own PHAROS gas. Circle's Forwarding Service handles the mint on Monad.

Can I send USDC from Pharos to someone else's Monad address?

Yes. Use the Send tab and paste a 0x… address (any EVM wallet or exchange deposit address that accepts native USDC on Monad). The Swap tab moves USDC between your own wallets.

Is sendstables run by Circle?

No. sendstables is an independent app built on Circle's public CCTP. Circle issues USDC and runs CCTP; we sponsor gas, relay where needed, and charge the fee shown in the quote.