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Send USDC to anyone with an email address, even if they don’t have a wallet yet. Locus holds the funds until the recipient claims them, and returns them to you if nobody does.

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How it works

1

You send

Send USDC to an email address from the dashboard, or ask your agent to.
2

Locus holds the funds

Locus moves the funds into a separate subwallet with its own on-chain address.
3

The recipient gets an email

The email includes a one-time password.
4

The recipient claims

They claim the funds to a wallet address of their choosing.

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Key facts

  • The claim deadline is 30 days by default, and up to 365 days.
  • If the recipient doesn’t claim by the deadline, the funds return to your wallet.
  • Claimed subwallets go back to a reuse pool for future payments.
  • Your agent’s spending limits apply to email sends.

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Next steps

USDC transfers

Compare email and address sends.

Wallets

See how your main wallet works.