{
  "$schema": "https://degreesofsatoshi.com/encyclopedia/schemas/article-v1.json",
  "schemaVersion": "1.0.0",
  "id": "stablecoin-deposit-not-credited",
  "canonical": "https://degreesofsatoshi.com/encyclopedia/stablecoin-deposit-not-credited/",
  "collection": "stablecoins",
  "title": "Stablecoin sent but not credited: a diagnostic guide",
  "description": "Diagnose a stablecoin deposit by separating broadcast, execution, confirmation, token identity and a custodial service’s internal credit.",
  "aliases": [
    "stablecoin deposit not credited",
    "Stablecoin sent but not credited a diagnostic guide"
  ],
  "dates": {
    "published": "2026-10-02",
    "modified": "2026-10-02",
    "verified": "2026-10-02T19:26:58.461Z",
    "dataAsOf": "2026-10-02"
  },
  "authorship": {
    "publisher": "Degrees of Satoshi editorial project",
    "process": "AI-assisted research and drafting with a separate automated source-verification pass; no external expert or named human review is implied."
  },
  "quickAnswer": {
    "text": "A successful stablecoin transaction does not automatically mean an exchange or payment service has credited your account. Check the correct chain, token, destination and any memo, then the service’s confirmation and processing requirements. If the on-chain receipt is correct but credit is missing, preserve the evidence and use that service’s official support process.",
    "claimId": "stablecoin-deposit-not-credited-quick-answer",
    "sourceIds": [
      "x425-sc-circle-confirmations",
      "x425-sc-coinbase-pending",
      "x425-sc-coinbase-receive"
    ]
  },
  "keyFacts": [
    {
      "label": "Chain status",
      "value": "A provider can require additional confirmations before crediting a deposit.",
      "sourceIds": [
        "x425-sc-circle-confirmations",
        "x425-sc-coinbase-pending"
      ],
      "id": "chain-status",
      "claimId": "stablecoin-deposit-not-credited-fact-chain-status"
    },
    {
      "label": "Support",
      "value": "The receiving service must support the asset and network used.",
      "sourceIds": [
        "x425-sc-coinbase-receive"
      ],
      "id": "support",
      "claimId": "stablecoin-deposit-not-credited-fact-support"
    },
    {
      "label": "Attribution",
      "value": "A required memo or tag can determine which account receives credit.",
      "sourceIds": [
        "x425-sc-coinbase-memos"
      ],
      "id": "attribution",
      "claimId": "stablecoin-deposit-not-credited-fact-attribution"
    }
  ],
  "prerequisites": [
    "stablecoin-wrong-network"
  ],
  "sections": [
    {
      "id": "check",
      "heading": "Diagnose in the order the payment travels",
      "sourceIds": [
        "x425-sc-circle-confirmations",
        "x425-sc-coinbase-pending"
      ],
      "paragraphs": [
        "First establish that the transaction was actually submitted on the intended network. Then check whether it executed successfully, whether the expected token reached the requested destination, and whether the receiver’s required confirmation threshold has been reached.",
        "A pending sender request, a reverted transaction and a completed deposit awaiting internal credit are different situations. Increasing a fee or resending funds cannot be assumed to fix all three."
      ]
    },
    {
      "id": "identity",
      "heading": "A success badge does not authenticate the asset",
      "sourceIds": [
        "x425-sc-erc20",
        "x425-sc-circle-addresses",
        "x425-sc-coinbase-receive"
      ],
      "paragraphs": [
        "Compare the token contract or mint with the issuer’s registry and the receiving service’s accepted version. Token names and symbols can be copied. Also compare the full destination and any required memo with the original deposit instructions.",
        "If a service accepted native USDC but received an unsupported bridged version, the underlying transaction may be valid while its automated deposit system cannot credit it."
      ]
    },
    {
      "id": "support",
      "heading": "Provide a compact evidence bundle",
      "sourceIds": [
        "x425-sc-coinbase-pending",
        "x425-sc-coinbase-memos",
        "x425-sc-eth-security"
      ],
      "paragraphs": [
        "Record the network, token, transaction reference, amount, time, destination, deposit instructions and the status displayed by the receiver. These let support distinguish chain observation from account processing.",
        "Avoid repeated test payments while the first discrepancy is unresolved. Recovery and manual credit depend on the provider and the error; no encyclopedia can guarantee them. Account credentials and wallet secrets are not part of a normal transaction evidence bundle."
      ]
    }
  ],
  "faq": [
    {
      "question": "Does waiting longer fix a wrong-network deposit?",
      "answer": "Not necessarily. Waiting can satisfy confirmation requirements, but it does not change the chain or token used. Unsupported deposits need a separate provider assessment and may be unrecoverable.",
      "sourceIds": [
        "x425-sc-coinbase-receive",
        "x425-sc-circle-confirmations"
      ]
    }
  ],
  "claims": [
    {
      "id": "stablecoin-deposit-not-credited-quick-answer",
      "articleSlug": "stablecoin-deposit-not-credited",
      "statement": "A successful stablecoin transaction does not automatically mean an exchange or payment service has credited your account. Check the correct chain, token, destination and any memo, then the service’s confirmation and processing requirements. If the on-chain receipt is correct but credit is missing, preserve the evidence and use that service’s official support process.",
      "sourceIds": [
        "source-50185f28eec9cf32",
        "source-079850d2fdd9fe5e",
        "source-14e4ed40d664ea20"
      ],
      "sourceLocators": [
        {
          "sourceId": "source-50185f28eec9cf32",
          "locator": "Confirmation requirements by network"
        },
        {
          "sourceId": "source-079850d2fdd9fe5e",
          "locator": "Reasons a transaction is pending"
        },
        {
          "sourceId": "source-14e4ed40d664ea20",
          "locator": "Receive crypto; network and memo selection"
        }
      ],
      "scope": {
        "collection": "stablecoins",
        "dataAsOf": "2026-10-02",
        "blockHeight": null
      },
      "qualification": "",
      "evidenceStatus": "documented",
      "verification": {
        "status": "verified",
        "method": "independent automated source review",
        "checkedAt": "2026-10-02T19:26:58.461Z",
        "reviewer": "Independent automated verification — Codex DeFi agent, separate from the stablecoin drafting agent",
        "notes": "Confirmation, execution, asset identity and custodian credit distinguished. Added secret-handling citation; no universal recovery guarantee."
      }
    },
    {
      "id": "stablecoin-deposit-not-credited-fact-chain-status",
      "articleSlug": "stablecoin-deposit-not-credited",
      "statement": "Chain status: A provider can require additional confirmations before crediting a deposit.",
      "sourceIds": [
        "source-50185f28eec9cf32",
        "source-079850d2fdd9fe5e"
      ],
      "sourceLocators": [
        {
          "sourceId": "source-50185f28eec9cf32",
          "locator": "Confirmation requirements by network"
        },
        {
          "sourceId": "source-079850d2fdd9fe5e",
          "locator": "Reasons a transaction is pending"
        }
      ],
      "scope": {
        "collection": "stablecoins",
        "dataAsOf": "2026-10-02",
        "blockHeight": null
      },
      "qualification": "",
      "evidenceStatus": "documented",
      "verification": {
        "status": "verified",
        "method": "independent automated source review",
        "checkedAt": "2026-10-02T19:26:58.461Z",
        "reviewer": "Independent automated verification — Codex DeFi agent, separate from the stablecoin drafting agent",
        "notes": "Confirmation, execution, asset identity and custodian credit distinguished. Added secret-handling citation; no universal recovery guarantee."
      }
    },
    {
      "id": "stablecoin-deposit-not-credited-fact-support",
      "articleSlug": "stablecoin-deposit-not-credited",
      "statement": "Support: The receiving service must support the asset and network used.",
      "sourceIds": [
        "source-14e4ed40d664ea20"
      ],
      "sourceLocators": [
        {
          "sourceId": "source-14e4ed40d664ea20",
          "locator": "Receive crypto; network and memo selection"
        }
      ],
      "scope": {
        "collection": "stablecoins",
        "dataAsOf": "2026-10-02",
        "blockHeight": null
      },
      "qualification": "",
      "evidenceStatus": "documented",
      "verification": {
        "status": "verified",
        "method": "independent automated source review",
        "checkedAt": "2026-10-02T19:26:58.461Z",
        "reviewer": "Independent automated verification — Codex DeFi agent, separate from the stablecoin drafting agent",
        "notes": "Confirmation, execution, asset identity and custodian credit distinguished. Added secret-handling citation; no universal recovery guarantee."
      }
    },
    {
      "id": "stablecoin-deposit-not-credited-fact-attribution",
      "articleSlug": "stablecoin-deposit-not-credited",
      "statement": "Attribution: A required memo or tag can determine which account receives credit.",
      "sourceIds": [
        "source-b0762b8413431759"
      ],
      "sourceLocators": [
        {
          "sourceId": "source-b0762b8413431759",
          "locator": "What is a Destination Tag/Memo?; why needed"
        }
      ],
      "scope": {
        "collection": "stablecoins",
        "dataAsOf": "2026-10-02",
        "blockHeight": null
      },
      "qualification": "",
      "evidenceStatus": "documented",
      "verification": {
        "status": "verified",
        "method": "independent automated source review",
        "checkedAt": "2026-10-02T19:26:58.461Z",
        "reviewer": "Independent automated verification — Codex DeFi agent, separate from the stablecoin drafting agent",
        "notes": "Confirmation, execution, asset identity and custodian credit distinguished. Added secret-handling citation; no universal recovery guarantee."
      }
    }
  ],
  "sources": [
    {
      "id": "x425-sc-circle-confirmations",
      "label": "Blockchain confirmations",
      "publisher": "Circle",
      "url": "https://developers.circle.com/circle-mint/blockchain-confirmations",
      "locator": "Confirmation requirements by network",
      "note": "Provider-specific deposit credit waiting rules separate from raw transaction execution.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:51:06.497Z",
      "contentSha256": "c2cc0156f5a67dc2402f0a2f95be38c97b4020d85b7790aefafe7c9a70c99113",
      "recordId": "source-50185f28eec9cf32"
    },
    {
      "id": "x425-sc-coinbase-pending",
      "label": "Pending transactions",
      "publisher": "Coinbase",
      "url": "https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/why-is-my-transaction-pending",
      "locator": "Reasons a transaction is pending",
      "note": "Provider credit and transaction processing reasons; no universal recovery guarantee.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:52:02.616Z",
      "contentSha256": "37fc4f1caabaa1f5ad788905f60e8cf4a8c9a1b89f73b5adb417fc4ddc4ce76d",
      "recordId": "source-079850d2fdd9fe5e"
    },
    {
      "id": "x425-sc-coinbase-receive",
      "label": "Steps to receive crypto",
      "publisher": "Coinbase",
      "url": "https://help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/steps-to-receive-crypto",
      "locator": "Receive crypto; network and memo selection",
      "note": "Supported asset/network pair, recipient details and conditional memo requirements.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:52:00.787Z",
      "contentSha256": "d925959cc8d1b8e7a34590b687b45976df9cd95be6e363b0ef7209cac26b49be",
      "recordId": "source-14e4ed40d664ea20"
    },
    {
      "id": "x425-sc-coinbase-memos",
      "label": "Deposit pending: memo not included",
      "publisher": "Coinbase",
      "url": "https://help.coinbase.com/en/exchange/crypto-transfers/memo-not-included",
      "locator": "What is a Destination Tag/Memo?; why needed",
      "note": "Custodial shared-address attribution and missing-memo consequences; asset support must be checked separately.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:51:59.961Z",
      "contentSha256": "778b398ad03327c8558c97354ecf9c4eccf751441326943e169eaaaf265134f4",
      "recordId": "source-b0762b8413431759"
    },
    {
      "id": "x425-sc-erc20",
      "label": "ERC-20 Token Standard",
      "publisher": "Ethereum Improvement Proposals",
      "url": "https://eips.ethereum.org/EIPS/eip-20",
      "locator": "Token methods and events",
      "note": "Names/symbols, balances and Transfer events do not independently authenticate the issuer.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:51:07.936Z",
      "contentSha256": "98bda5e4707841a68684879878c4c165fdaa47d89ed69ebf232ab9be06ff050e",
      "recordId": "source-ac4ad503a55127bb"
    },
    {
      "id": "x425-sc-circle-addresses",
      "label": "USDC contract addresses",
      "publisher": "Circle",
      "url": "https://developers.circle.com/stablecoins/usdc-contract-addresses",
      "locator": "Mainnet addresses; Solana",
      "note": "Official chain-specific token identification. Testnet and mainnet identities must not be confused.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:51:05.791Z",
      "contentSha256": "429d18007d36b6b885c2937cc881602fd126e7993edf4445fc2b0e0b38ad2d1a",
      "recordId": "source-66270bffe3272787"
    },
    {
      "id": "x425-sc-eth-security",
      "label": "Ethereum security and scam prevention",
      "publisher": "ethereum.org contributors",
      "url": "https://ethereum.org/en/security/",
      "locator": "Wallet security; common scams",
      "note": "Address checking, malicious token and phishing risks; examples are educational.",
      "version": "Document retrieved 2026-10-02; content hash recorded",
      "checkedAt": "2026-10-02T18:51:08.783Z",
      "contentSha256": "1372ff086ae3f53ded99c8dfe308346a457574d41c04dc587de119a64080b448",
      "recordId": "source-83ec2d5a18d94ce1"
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  ],
  "related": {
    "articles": [
      "stablecoin-deposit-memos",
      "counterfeit-stablecoins",
      "ethereum-transaction-receipts"
    ],
    "dossiers": [],
    "wallets": []
  },
  "revisionHistory": [
    {
      "date": "2026-10-02",
      "kind": "published",
      "summary": "First publication after primary-source research and separate automated verification."
    }
  ],
  "citation": "Degrees of Satoshi editorial project. “Stablecoin sent but not credited: a diagnostic guide.” Published 2026-10-02; updated 2026-10-02. https://degreesofsatoshi.com/encyclopedia/stablecoin-deposit-not-credited/"
}