> For the complete documentation index, see [llms.txt](https://developers.bead.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bead.xyz/reference-guide/enumerations-and-schemas/settlement-currencies.md).

# Settlement Currencies

Settlement currencies list every currency currently enabled for settlement or payment conversion. Fields shown match the `/currencies` endpoint. Use the Code column when you build payment requests, quotes, and when you interpret settlement and reporting responses.

This table applies to:

* Payments created through the Payments APIs
* Settlement records in the Settlement APIs
* Reporting endpoints that expose currency codes and amounts

### Currency table

| Code             | Name                | Currency type | Tender type        | Decimals | Enabled |
| ---------------- | ------------------- | ------------- | ------------------ | -------- | ------- |
| USD              | US Dollar           | fiat          | ethereum           | 2        | ✓       |
| BTC              | Bitcoin (Lightning) | crypto        | bitcoin\_Lightning | 8        | ✓       |
| USDC             | USDC Ethereum       | crypto        | usdC\_Ethereum     | 6        | ✓       |
| USDC\_NPL        | USDC Polygon        | crypto        | usdC\_Polygon      | 6        | ✓       |
| ETH              | Ethereum            | crypto        | ethereum           | 18       | ✓       |
| BTC              | Bitcoin (on-chain)  | crypto        | bitcoin            | 8        | ✓       |
| CIT\_USD\_ALI    | Alipay USD          | walletApps    | alipay             | 2        | ✓       |
| CIT\_USD\_PPAL   | PayPal USD          | walletApps    | paypal             | 2        | ✓       |
| CUS\_USD\_VENMO  | Venmo USD           | walletApps    | venmo              | 2        | ✓       |
| CUS\_USD\_WECHAT | WeChat Pay USD      | walletApps    | weChatPay          | 2        | ✓       |
| USD\_KLARNA      | Klarna USD          | walletApps    | klarna             | 2        | ✓       |

### Column definitions

Code\
Identifier for the currency. Uses ISO 4217 for fiat or a platform specific symbol for crypto and wallet apps. This value appears in payment requests, settlement records, and reporting responses.

Name\
Human readable name for the currency and where relevant the network or platform. For example, USDC Ethereum or Bitcoin Lightning.

Currency type\
High level category for the currency. Values include `fiat`, `crypto`, and `walletApps`. This indicates whether the currency represents traditional money, a digital asset, or a wallet application balance.

Tender type\
Value used in `tenderTypes` arrays when limiting payment methods or interpreting how a payment will be routed. For crypto and wallet entries this typically maps to a specific network, Lightning configuration, or QR platform identifier.

Decimals\
Number of minor unit decimal places the platform accepts and returns for this currency. For example, USD has 2 decimals and Ethereum has 18.

Enabled\
Indicates whether the currency is currently live for both Sandbox and Production. Currencies marked with a check mark are fully enabled. If a currency is not enabled it may be present in schemas but blocked for use.

### Notes

All crypto rows map to testnets in Sandbox environments. Production uses mainnet equivalents for the same codes.

New currencies follow the same schema and will appear in this table when they are enabled. If you see a currency code in an API response that is not listed here, contact the Bead team before relying on it in production.


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