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BSC USDC transfer notifications, delivered as webhooks

Get a signed webhook when a BNB Smart Chain address sends or receives USDC BEP-20, about 7 seconds after the transfer.

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USDC on BNB Smart Chain at a glance

The contract Chainhook watches, how amounts are scaled, and how long USDC takes to reach your endpoint.

Token
USD Coin (USDC)
Network
BNB Smart Chain
Issuer
Binance (pegged to USDC)
Contract
0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d
Decimals
18
Confirmations
15
Time to webhook
About 7 seconds

How USDC BEP-20 webhooks work

At sub-second block times, polling BscScan or a public RPC for each address quickly runs into rate limits, and eth_getLogs ranges have to be paged carefully so no block is skipped. Chainhook scans every block once, waits 15 confirmations, and pushes only the transfers that match your addresses.

  1. Register the address

    Create a webhook with network: "bsc", type: "token" and the address you want to watch. The signing secret is returned once.

  2. Chainhook waits for confirmations

    Every BNB Smart Chain block is scanned. A matching USDC transfer is held until it is 15 blocks deep, about 7 seconds.

  3. Your endpoint gets a signed POST

    A transfer.detected event arrives with an X-Webhook-Signature header. Failed attempts are retried automatically, up to 3 attempts in total, waiting 1 minute, then 5 minutes between attempts.

POST /v1/webhooks

{
  "network": "bsc",
  "type": "token",
  "direction": "in",
  "address": "0xf716df5d2223b8bbabdfe7a677d970c263745ee5",
  "webhook_url": "https://api.example.com/webhooks/chainhook"
}

Sample webhook payload

What your endpoint receives for an incoming USDC transfer on BNB Smart Chain. amount is already scaled by decimals; amount_raw is the on-chain integer.

USDC on BNB Smart Chain

POST /webhooks/chainhook HTTP/1.1
Host: api.example.com
Content-Type: application/json
User-Agent: chainhook/1.x
X-Webhook-Id: 01a0fbfd-4fe4-7a3c-8f21-6b9d0e4c7a15
X-Webhook-Signature: 7a12d02673420517279805cf8188a1a62c6f69706161ba5cf0a8ec91ea66b8e3

{
  "id": "01a0fbfd-4fe4-7a3c-8f21-6b9d0e4c7a15",
  "event": "transfer.detected",
  "created_at": "2026-10-02T09:41:17Z",
  "webhook_id": "01a0fbf2-fadc-7c3e-9b1a-4d6f2e8a5c71",
  "data": {
    "network": "bsc",
    "direction": "in",
    "type": "token",
    "transaction_hash": "0xc1770ea605800e0a8357f558b45b441ad97f924981f7061234dce0b6de5512ff",
    "transfer_index": 87,
    "block_number": 128946080,
    "block_hash": "0x166f00e9712730ecdfe5a96f60cb541be5d0a7c59fdfddbc29f492345d11022f",
    "block_timestamp": "2026-10-02T09:41:05Z",
    "confirmations": 15,
    "from": "0x3cbd8c73836d596859eb97160d296da84ae93e33",
    "to": "0xf716df5d2223b8bbabdfe7a677d970c263745ee5",
    "currency": "USDC",
    "amount": "300",
    "amount_raw": "300000000000000000000",
    "decimals": 18,
    "contract_address": "0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d"
  }
}

Verify the signature

X-Webhook-Signature is a hex HMAC-SHA256 of the raw body, keyed with your webhook's secret. Reject any request where it doesn't match.

import crypto from 'node:crypto';
import express from 'express';

const app = express();

app.post(
  '/webhooks/chainhook',
  express.raw({ type: 'application/json' }),
  (req, res) => {
    const signature = req.get('X-Webhook-Signature') ?? '';
    const expected = crypto
      .createHmac('sha256', process.env.CHAINHOOK_SIGNING_SECRET)
      .update(req.body)
      .digest('hex');

    const valid =
      signature.length === expected.length &&
      crypto.timingSafeEqual(Buffer.from(signature), Buffer.from(expected));

    if (!valid) {
      return res.sendStatus(401);
    }

    const event = JSON.parse(req.body);
    // Skip event.id if you've already processed it.

    res.sendStatus(200);
  },
);

Crediting USDC deposits safely

Eighteen decimals

Like USDT on BSC, this USDC uses 18 decimals rather than the 6 Circle uses elsewhere. Use the amount string or scale amount_raw by decimals.

Binance-pegged, not Circle-native

The USDC most BSC wallets hold is issued by Binance and pegged 1:1 to USDC. It is a different contract from USDC on Ethereum or Base, so bridging is needed to move between them.

Pair it with USDT

Most BSC payment flows accept both stablecoins. Use one webhook with type: "token" and both are reported, each with its own currency and contract_address.

Pay per detection

Start with 100 trial detections for 1 month and pay only for what you use. Paid plans add detections, webhooks, and per-detection overage.

  • Pay as you go

    $0/month

    Card required, no monthly fee

    • 100 trial detections for 1 month
    • 3 active webhooks
    • $0.001 per detection after the trial
    • Decoded transfers, delivered once confirmed
    Start for free

  • Starter

    $9/month

    or $90/year billed yearly

    • 25,000 detections a month
    • 25 active webhooks
    • $0.0006 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe
  • Recommended

    Growth

    $29/month

    or $290/year billed yearly

    • 100,000 detections a month
    • 100 active webhooks
    • $0.0003 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe

  • Scale

    $99/month

    or $990/year billed yearly

    • 400,000 detections a month
    • 200 active webhooks
    • $0.0002 per extra detection
    • Decoded transfers, delivered once confirmed
    Subscribe

Enterprise

Custom limits for teams that need more than 400,000 detections a month or more than 200 active webhooks. Contact us and we'll set up a plan around your volume.

Contact support

Prices in USD, plus applicable tax. Billed monthly or yearly, and paid allowances reset monthly. Cancel any time and keep your plan until the period ends.

Compare plans and estimate your bill

USDC on BNB Smart Chain questions

Can't find your answer? Contact support.

What is the USDC BEP-20 contract address?

0x8ac76a51cc950d9822d68b83fe1ad97b32cd580d, with 18 decimals.

Will one webhook catch both USDC and USDT on BSC?

Yes. A token webhook reports every listed BEP-20 token sent to or from the address. Filter on currency if you only accept one.

How many confirmations does Chainhook wait on BSC?

15 blocks, about 7 seconds.

Watch your first wallet

Create an account and start with 100 trial detections for 1 month.

Start for free