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TIP-20 Tokens

TIP-20 gives stablecoins the primitives needed for payments: fees, memos, lanes, policies, rewards, and issuer controls.

Create a stablecoin

Issuance guide TIP-20 spec

Optimized for onchain liquidity.

A stablecoin DEX is enshrined in the protocol. TIP-20 stablecoins trade against shared order-book liquidity, with no contract to deploy.

Explore the DEX Read the spec

Native stablecoin DEX
An enshrined orderbook lets every TIP-20 trade natively, with price-time priority and no pool contract to deploy.
Shared liquidity
Trade between USD stablecoins through protocol-level order books, so markets can tap existing liquidity.

stablecoin-swap

import { parseUnits } from "viem";
import { client } from "./viem.config";
 
const usdc = "0x20c0000000000000000000000000000000000001";
const usdt = "0x20c0000000000000000000000000000000000002";
const amountIn = parseUnits("100", 6);
const minAmountOut = parseUnits("99.50", 6);
 
const { receipt } = await client.dex.sellSync({
  tokenIn: usdc,
  tokenOut: usdt,
  amountIn,
  minAmountOut,
});

IStablecoinDex dex = IStablecoinDex(
    0xdec0000000000000000000000000000000000000
);
 
uint128 amountIn = 100e6;
uint128 quote = dex.quoteSwapExactAmountIn(
    USDC,
    USDT,
    amountIn
);
 
uint128 minOut = (quote * 995) / 1000;
uint128 amountOut = dex.swapExactAmountIn(
    USDC,
    USDT,
    amountIn,
    minOut
);

DEX=0xdec0000000000000000000000000000000000000
AMOUNT_IN=100000000
MIN_USDT_OUT=99500000
 
cast send "$DEX" \
  "swapExactAmountIn(address,address,uint128,uint128)(uint128)" \
  "$USDC" "$USDT" "$AMOUNT_IN" "$MIN_USDT_OUT" \
  --tempo.fee-token "$USDC" \
  --rpc-url "$TEMPO_RPC_URL" \
  --private-key "$PRIVATE_KEY"

A stablecoin-native token standard.

TIP-20 is the native token standard for stablecoins. Fee payment, payment lanes, and reconciliation are part of the token, not bolted on.

Explore TIP-20 Issue a token

fee-token.ts

import { parseUnits } from "viem";
import { client } from "./viem.config";
 
const alphaUsd = '0x20c0000000000000000000000000000000000001';
const betaUsd = '0x20c0000000000000000000000000000000000002';
 
const receipt = await client.token.transferSync({
  amount: parseUnits('100', 6),
  feeToken: betaUsd,
  to: '0x0000000000000000000000000000000000000000',
  token: alphaUsd,
});

use tempo_alloy::rpc::TempoTransactionRequest;
 
let pending = provider
    .send_transaction(TempoTransactionRequest {
        calls,
        fee_token: Some(beta_usd),
        ..Default::default()
    })
    .await?;

cast erc20 transfer \
  0x20c0000000000000000000000000000000000001 \
  0x0000000000000000000000000000000000000000 \
  100000000 \
  --tempo.fee-token 0x20c0000000000000000000000000000000000002 \
  --rpc-url "$TEMPO_RPC_URL" \
  --private-key "$PRIVATE_KEY"

Virtual addresses, native to TIP-20.

Give every customer, merchant, or invoice a unique deposit address without managing another wallet. TIP-20 transfers credit the registered master wallet at the protocol layer.

Explore virtual addresses

Unique deposit endpoints
Each virtual address can represent a customer, merchant, corridor, or payment flow.
Protocol-level crediting
Funds sent to a virtual address are credited directly to the registered master wallet.
No sweep operations
Operators avoid separate sweep transactions, stranded balances, and extra wallet infrastructure.

virtual-address.ts

import { concatHex, getAddress, parseUnits } from "viem";
import { client } from "./viem.config";
 
const masterId = "0x2612766c";
const magic = "0xfdfdfdfdfdfdfdfdfdfd";
const userTag = "0x000000000001";
 
const virtualAddress = getAddress(
  concatHex([masterId, magic, userTag]),
);
 
await client.token.transferSync({
  token: pathUsd,
  to: virtualAddress,
  amount: parseUnits("100", 6),
});

// The trailing 6 bytes are your routing key
const userTag = `0x${virtualAddress.slice(-12)}`;
 
await db.deposits.create({
  data: {
    userTag,
    customerId: customers.byTag[userTag],
    txHash: receipt.transactionHash,
  },
});

const masterBalance = await client.token.balanceOf({
  token: pathUsd,
  owner: masterWallet,
});
 
const virtualBalance = await client.token.balanceOf({
  token: pathUsd,
  owner: virtualAddress,
});
 
// virtualBalance stays 0; funds settle on master

Enforce policies at the token level.

Attach issuer rules to a TIP-20 token so every transfer is checked before it settles.

Read the spec

Whitelist holders
Allow transfers only when senders and recipients satisfy the issuer's holder policy.
Block risky addresses
Reject sanctioned, compromised, or restricted addresses before funds can move.
Control issuer roles
Use admin and pause roles as operational guardrails for policy changes and emergency stops.

token-policy.ts

uint64 policyId = tip403Registry.createPolicyWithAccounts(
    admin,
    ITIP403Registry.PolicyType.WHITELIST,
    allowedHolders
);
 
tip20.changeTransferPolicyId(policyId);

TIP-20 Tokens FAQ.

Short answers for the parts developers usually want to know before issuing or accepting stablecoins on Tempo.

TIP-20 is Tempo's native token standard for stablecoins. It keeps familiar token operations, then adds payment-specific primitives like fee payment, memos, issuer controls, policy checks, virtual addresses, and payment lanes.

TIP-20 Tokens

Optimized for onchain liquidity.

Native stablecoin DEX

Shared liquidity

A stablecoin-native token standard.

Pay fees in any stablecoin

Dedicated payment lanes

Transfer memos

Virtual addresses, native to TIP-20.

Unique deposit endpoints

Protocol-level crediting

No sweep operations

Enforce policies at the token level.

Whitelist holders

Block risky addresses

Control issuer roles

TIP-20 Tokens FAQ.