The app itself

Each user automatically receives a Circle wallet upon registration. You can deposit USDC directly or use an on-ramp from fiat.

The wallet interface feels familiar to anyone who has used mobile banking before. You can check your balance, view your transaction history, and keep track of all your purchases in one place.

The payment process is almost laughably simple. You find a vendor’s QR code at the booth, scan it, see the amount due, choose your tip, select your payment method (USDC or fiat on-ramp), and you’re done.