Stablecoins & Payments · Question 3 of 7
How do two parties choose an asset and network?
The payer and recipient agree, before sending, on exactly which asset (e.g. a specific stablecoin) and which network to use. Both have to match, or the funds can end up unreachable.
Why both must match
The same asset can exist on several networks. The recipient's wallet only sees funds on the network it's watching, so a mismatch can strand the payment.
How to agree cleanly
- Recipient states the exact asset and network they accept.
- Payer confirms their wallet supports that combination.
- Recipient shares an address for that specific network.
- A small test transaction confirms it before the full amount.
Why it matters
This quick agreement step prevents the single most common and costly crypto-payment mistake.
A practical way to picture it
It's like agreeing on both the currency and the bank network before a wire — euros to the wrong rails won't arrive usefully.
Risks & common mistakes
- Assuming the network instead of confirming it.
- Reusing an address from a different network.
- Skipping the test transaction on a large payment.
Put it into practice
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Practice a bilateral payment in the Simulator
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Last reviewed 2026-06-25. This topic can change over time; always confirm current specifics from primary sources.