How USDT and USDC Balances Work

When using your Amulets Card, it is important to understand how stablecoin balances are applied to transactions.

USDT and USDC balances are maintained separately within your account. These balances do not combine automatically for the purpose of completing a single transaction.

Separate Balances

If you hold 50 USDT and 50 USDC, your total balance may display as 100 USD equivalent. However, a single purchase of 100 USD will not be approved unless one individual balance fully covers the transaction amount.

Each stablecoin balance is used independently to authorize transactions.

Spending Priority

By default, USDT is treated as the primary spending asset.

• If sufficient USDT is available to cover the full transaction amount, the payment will be processed using USDT.
• If there is insufficient USDT, the system will attempt to process the transaction using available USDC.

Transactions cannot be split across USDT and USDC balances. The full purchase amount must be covered by a single available stablecoin balance at the time of authorization.

Practical Examples

To avoid declined transactions, please ensure that at least one stablecoin balance fully covers your intended purchase amount at the time of authorization.