P2P USDC & EURC Transfers Without an App
Send USDC or EURC to anyone via tweet, text message, Telegram, WhatsApp, or your AI assistant. Circle stablecoins on Polygon. 1.49% fee. No crypto wallet needed.
Five Ways to Send a P2P Payment
Twitter / X
Tweet @canath12 send 50 usdc to friend@email.com — confirm with YES in 60s.
SMS Text
Text +1 (712) 642-1578 — works from any phone, any carrier, no smartphone needed.
Telegram
Message @CanathBot — reply YES to confirm, no website visit needed.
WhatsApp
Text the Canath WhatsApp number — same commands, same confirmation flow.
AI Assistant
Paste canath.io/ai.html into ChatGPT, Claude, or Gemini — your AI sends the payment.
Transfer Fees — Transparent, No Monthly Cost
1.49%
USDC via Circle
US Dollar Coin on Polygon. Near-instant.
1.49%
EURC via Circle
Euro stablecoin on Polygon. Near-instant.
0.5%
DEX Swap
Uniswap v3 on Polygon — ~30 sec.
Gas only
Cross-Chain Bridge
Circle CCTP — Polygon to ETH, Base & more.
How Canath Compares
| Feature | Canath | Venmo | PayPal | CashApp |
|---|---|---|---|---|
| No app needed | ✓ | ✗ | ✗ | ✗ |
| Works via SMS | ✓ | ✗ | ✗ | ✗ |
| Works via Twitter | ✓ | ✗ | ✗ | ✗ |
| Works via Telegram | ✓ | ✗ | ✗ | ✗ |
| AI agent compatible | ✓ | ✗ | ✗ | ✗ |
| USDC / EURC P2P | ✓ Circle | ✗ | ✓ | ✓ |
| No seed phrase or wallet | ✓ | ✗ | ✗ | ✗ |
| Shop with USDC via AI | ✓ | ✗ | ✗ | ✗ |
Frequently Asked Questions
How do P2P USDC transfers work on Canath?
Send a transfer command through any channel — tweet, text, Telegram, WhatsApp, or AI chat. Canath sends back a confirmation showing the amount, recipient, and 1.49% fee. Confirm with YES — USDC or EURC moves via Circle on Polygon. Circle only — no fiat, no card.
Is there a monthly fee?
No. Canath charges only 1.49% per USDC or EURC transfer. There is no subscription, monthly fee, or minimum balance required.
Who can receive USDC from me?
Anyone with a free Canath account. Accounts can be created in under 2 minutes at www.canath.io or directly by SMS, Telegram, or WhatsApp — no website visit required for the recipient. A Circle wallet is created automatically.
Ready to send your first peer-to-peer payment?
Create a free account in under 2 minutes. No credit card required to sign up.
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