USDC (USD Coin) is one of the world’s most trusted stablecoins, used by banks, fintechs, and global payment networks.

Key characteristics:

• Backed 1:1 by U.S. dollars

• Audited and transparent

• Runs on secure blockchain networks

• Can be moved instantly, 24/7

In eApartment Life, USDC serves as the payment rail, while rent is still priced and recorded in USD.

Tenants choose USDC for three reasons:

Payments settle instantly—no “bank delays” or weekends.

Paying with USDC typically costs less than card payments and avoids ACH delays.

USDC rent payments earn extra Loyalty Rewards Tokens, which can be redeemed for:

• Local business discounts

• eGiftBag offers

• Tenant events & perks

• Group buying opportunities

No.
The eApartment Life app manages everything behind the scenes.

You simply:

1. Tap “Pay with USDC”

2. Add funds via bank account, debit card, or USDC wallet

3. Approve payment

The experience is as simple as using Venmo, Apple Pay, or a regular card.

You have three options:

• Transfer USD → USDC in-app using Circle’s on-ramp.

• Fast, easy, and no crypto knowledge required.

Instant conversion from dollars to USDC.

If you already hold USDC, you can transfer it into your tenant wallet.

1. You send USDC from your tenant wallet to the property USDC treasury wallet

2. Circle confirms payment

3. eApartment Life marks your rent as PAID

4. Loyalty Rewards Tokens are added to your account

5. The property manager receives:

   • USD (automatically converted), or

   • USDC (if they choose on-chain settlement)

Your rent is recorded as paid in USD regardless of payment method.

Not unless they want to.

Property managers can choose:

USDC is instantly converted to U.S. dollars and sent to their bank account.

For managers who prefer on-chain settlement or treasury optimization.

Yes. USDC transactions are:

• Secure (blockchain infrastructure + Circle compliance)

• Verifiable (transaction confirmed via cryptographic proof)

• Backed by regulated financial partners

eApartment Life never holds tenant bank information—Circle handles all regulated financial operations.

Yes, consistent with your lease policies.

If a refund is required:

• Rent paid in USDC can be refunded in USD or USDC, depending on property manager rules.

• Refunds follow standard property procedures.

Fees are minimal compared to traditional rails.

Typical structure:

• No tenant fee for most payments

• Lower property manager processing fees vs credit/debit cards

• Occasional small blockchain transaction fees (eApartment Life often subsidizes these)

We use low-fee, high-speed chains supported by Circle, such as:

• Solana

• Avalanche

• Base

This ensures reliable payments with near-zero transaction friction.

Every USDC rent payment triggers a Rewards Event.

Example:

• Paying via ACH/card → 1× rewards

• Paying via USDC → 2× rewards

Tokens can be used for:

• Local offers in eGiftBag

• Tenant exclusive events

• Group buying (Charmin bundles, Costco deals, cleaning supplies, etc.)

• Future platform upgrades and benefits

Absolutely.
Paying rent with USDC is optional.

You may continue using:

• ACH

• Debit/credit card

• Traditional bank transfer

USDC is simply an additional, faster, and more rewarding payment option.

No. Rent is still denominated in USD.
USDC is just the method for transferring the payment.

A simple lease addendum may state:

“Rent may be paid in U.S. dollars or the U.S. dollar equivalent in USDC via the eApartment Life platform.”

No user ever needs to manage private keys manually.

• All wallets are secured using Circle Programmable Wallets

• Security, encryption, and key-management are handled automatically

• Tenants simply tap “Pay” — keys never need to be touched

USDC is designed to maintain a stable value of $1.00.
Though not FDIC-insured, it is fully backed by cash and U.S. Treasuries.

Rent is always recorded as USD equivalent, so tenants never owe “more USDC” if the market fluctuates.