> For the complete documentation index, see [llms.txt](https://help.helioscard.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.helioscard.xyz/your-wallet/usdc-vs-usdcx.md).

# USDC vs USDCx

The difference between USDC and USDCx and when you use each.

You may see two related balances in Helios: **USDC** and **USDCx**. Both are worth one US dollar each — the difference is *where* they live.

|            | USDC                      | USDCx                                                                |
| ---------- | ------------------------- | -------------------------------------------------------------------- |
| What it is | A US-dollar stablecoin    | USDC on the Canton Network                                           |
| Value      | $1                        | $1                                                                   |
| Used for   | Repaying your credit line | Moving funds in and out, sending and receiving on the Canton Network |

## Why two forms?

To bring outside USDC into Helios and use it across the app, it moves onto the Canton Network as **USDCx**. This is what makes fast, low-cost transfers possible. Converting between the two happens through **bridging** — see [Adding funds](/your-wallet/adding-funds.md).

{% hint style="info" %}
You don't need to manage the conversion by hand for everyday use. The app guides you through bridging when you add or withdraw funds.
{% endhint %}

## Frequently asked

### Is USDCx worth the same as USDC?

Yes. Each is pegged to one US dollar.

### How do I spend with my card?

You don't spend a stablecoin balance directly. Spending power is added to your card by borrowing against your collateral (your credit line) — see [Funding your card](/the-helios-card/funding.md). The card then spends from its own funded balance.

### Do I pay a fee to convert?

Helios shows any applicable fee before you confirm a transfer, along with the amount you'll receive.


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