Each recipient needs their own USDC wallet address. Two recipients cannot be set up on the same address, so if you manage several recipients, create a separate wallet for each one before you add them.
1. The rule
One recipient, one USDC wallet address. The address you enter for a recipient is where that recipient's USDC lands after every swap, and it is used for that recipient only. Reusing an address that is already set on another recipient is not possible.
2. If you manage several recipients
Set the wallets up before you start onboarding, so the wallet step does not stop you halfway:
- Create one wallet address for each recipient you plan to add.
- Note which address belongs to which recipient.
- Add each recipient and enter that recipient's own address on the wallet step.
Separate addresses also split the money by recipient, which keeps your accounting readable when several recipients are paid in the same week.
Note: Every one of those addresses has to be able to receive USDC on the Base network, the same requirement as a single recipient's wallet. See Wallet and network.
3. Which wallet the USDC goes to
The USDC for a recipient goes to whichever address you enter for that recipient on the wallet step. That address does not have to be one the recipient personally controls — an agency managing several recipients can create and hold the wallets itself, as long as each recipient has a different address.
What is not allowed is reusing one address across recipients.
What is not interchangeable is the recipient's own side of onboarding. The virtual bank account is issued in the recipient's own name, and an individual recipient completes their own KYC. A business recipient completes KYB.
Warning: Whoever can open a wallet can move the USDC in it. The wallet is the only access point to a recipient's funds, so check the address is the one you intend before you continue.
Next: Enter each address on the recipient's wallet step. Add a recipient →