Deposit and Withdraw USDC and Spot Assets on Pacifica

Pacifica uses a non-custodial bridge contract to move funds between your Solana wallet and your trading account. Deposits are credited after on-chain confirmation, and withdrawals are processed quickly from the platform’s hot wallet. This page covers everything you need to know about moving funds in and out of Pacifica, including fees, daily limits, and the security architecture that keeps your capital safe.

USDC Deposits

USDC is the primary collateral asset on Pacifica. All perpetual positions and cross-margin accounts are denominated in USDC.

Only deposit USDC on the Solana network. Deposits sent via any other network (e.g., Ethereum, Arbitrum) or in any other token (e.g., USDT, SOL) will not be credited and cannot be automatically recovered.

The minimum deposit amount is **

10 USDC**. Deposits below

10 will not trigger an on-chain event and will not be credited to your account. If you send below the minimum, you can send additional USDC to the same address to reach the threshold.

Open the Deposit Panel

Log in to pacifica.fi with your connected wallet. Click Deposit in the top navigation bar or in the portfolio panel on the right side of the trading interface.

Enter a Deposit Amount

Type the amount of USDC you want to deposit. The minimum is

10. During Closed Beta, accounts are capped at **

250,000 in total equity** — deposits that would exceed this cap are held in pending on the backend.

Confirm the Transaction in Your Wallet

Click Confirm Deposit. Your wallet (Phantom, Solflare, Backpack, etc.) will prompt you to approve an on-chain transaction. The funds are sent to Pacifica’s audited USDC bridge contract at address 72R843XwZxqWhsJceARQQTTbYtWy6Zw9et2YV4FpRHTa.The only fee at this step is the Solana network gas fee, paid in SOL. For large transfers, consider sending a small test amount first to confirm the deposit flow before committing the full sum.

Verify Your Balance

After on-chain confirmation (typically a few seconds on Solana), your USDC balance will appear in the Portfolio or Balances panel. You can now open positions or transfer funds to subaccounts.

Always keep a small amount of SOL in your wallet — typically $1–2 worth is sufficient for routine activity. Every on-chain action (deposit, withdrawal, spot transfer) requires SOL to pay Solana network fees. If your SOL balance reaches zero, transactions will fail even if your USDC balance is healthy.

USDC Withdrawals

Withdrawals are processed from Pacifica’s hot wallet and are typically near-instant. A flat $1 fee is deducted from the withdrawal amount to cover network costs.

Open the Withdrawal Panel

Click Withdraw in the navigation bar or portfolio panel. Make sure you are on the USDC tab.

Enter a Withdrawal Amount

Enter the amount you want to withdraw. The minimum withdrawal is $1 USDC**. During Closed Beta, a maximum of **$ 250,000 USDC per 24 hours applies per account. Requests above this limit are queued and processed at the next daily reset.Under the unified margin model, your withdrawable amount is bounded by available_to_withdraw, which deducts any outstanding money-market borrow. If your account has a negative USDC balance from a borrow, you must repay the debt or sell sufficient spot assets before withdrawing.

Submit the Withdrawal

Click Confirm Withdrawal. A $1 fee is deducted automatically. The remaining USDC is sent to your connected wallet address on Solana. No additional wallet signature is required — the matching engine processes the withdrawal from the hot wallet.

Your Solana wallet must have a valid USDC token account to receive the withdrawal. If you encounter an error, ensure there is a non-zero amount of USDC already in your wallet to initialize the token account, then retry.

Confirm Receipt in Your Wallet

Open your wallet and verify the USDC balance has increased. Solana finality is fast, so funds typically appear within seconds to a few minutes.

Spot Asset Deposits and Withdrawals

In addition to USDC, Pacifica supports deposits and withdrawals of approved spot assets under the unified margin model. Spot balances are tradeable on the corresponding spot market and contribute to cross-margin collateral based on each asset’s loan-to-value (LTV) ratio.

Spot Deposits
Spot Withdrawals

Spot assets are credited after on-chain confirmation. Each supported spot asset has a **per-user daily deposit cap of

50,000 USD-notional**. The minimum deposit is approximately

10 worth of the deposited asset. The only fee is the Solana network gas fee.

The maximum withdrawable amount for a given spot asset is calculated as:

available_spot_to_withdraw =
  min(
    spot_balance,
    (cross_equity_without_spot + spot_collateral_value
     - required_borrow - 0.1 × total_position_value)
    / (price × ltv_ratio)
  )

This formula ensures that your remaining collateral covers open perpetual positions and any money-market debt after the withdrawal. The per-user daily withdrawal cap per asset is **

250,000 USD-notional**. Requests above the cap are queued for the next reset. A withdrawal fee of approximately

1 worth of the withdrawn asset is deducted.

Subaccount Spot Transfers

Spot assets (including USDC) can be moved between a master account and any of its direct subaccounts without an on-chain transaction. Transfers are instant, fee-free, and subject to margin requirements. This is useful for isolating risk across trading strategies without paying gas on every reallocation.

Fund Security

How Pacifica protects your funds: hot-cold hybrid architecture

Pacifica uses a layered, non-custodial security model that separates operational funds from reserve capital:

Hot wallet — A fraction of total funds are held here for instant withdrawals. The matching engine can withdraw up to a programmatic daily spending limit (e.g., $5M USDC) without multi-signature approval. In a worst-case compromise, only hot-wallet funds are exposed.
Cold vault — The majority of user capital is held in a multi-signature smart contract powered by Squads Protocol, the first formally verified program on Solana, securing over $10 billion in assets. Funds can only leave the cold vault via consensus approval from a geo-distributed group of independent signers.
Spending limits — The cold vault automatically replenishes the hot wallet when its balance drops below a threshold, sending only the required amount and never exceeding the predetermined cap. Any attempt to breach the cap triggers mandatory multi-signature requirements.
Time-locked upgrades — Any change to withdrawal authorities or spending limits requires multi-sig approval plus a mandatory time-lock delay, giving users visibility and the ability to exit before changes take effect.

The bridge contract and vault addresses are public and verifiable on-chain:

Contract	Address
USDC deposit/withdraw bridge	`72R843XwZxqWhsJceARQQTTbYtWy6Zw9et2YV4FpRHTa`
SOL deposit/withdraw bridge	`9sSr35zwnFTuv2kZ86i55sR9dqQLTG663homexrLYgYu`
USDC cold vault	`5kwCMKjE3Krvs7cHfcQ9kBkGyPQphd3oJ4KnsXcpMoVc`
SOL cold vault	`8nFeyzTFhUXp11raJkSSvZWn9GXDjcrGq8LuzP9aKtg8`

The bridge contracts have been audited by Blocksec. You can verify all security parameters independently on-chain — no need to take our word for it.

Fees and Limits Summary

Action	Minimum	Fee	Daily Cap (Closed Beta)
USDC deposit	$10	Network gas (SOL)	$250,000 account equity
USDC withdrawal	$1	$1 flat fee	$250,000 per account
Spot asset deposit	~$10 notional	Network gas (SOL)	$50,000 per asset
Spot asset withdrawal	—	~$1 notional equivalent	$250,000 per asset
Subaccount transfer	—	None	—

An exchange-wide withdrawal cap applies across all assets as a risk-mitigation mechanism. It is unlikely to affect normal-sized withdrawals but may delay very large requests during periods of elevated activity.

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Deposit and Withdraw USDC and Spot Assets on Pacifica

USDC Deposits

USDC Withdrawals

Spot Asset Deposits and Withdrawals

Subaccount Spot Transfers

Fund Security

Fees and Limits Summary

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Get Started

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Documentation Index

​USDC Deposits

​USDC Withdrawals

​Spot Asset Deposits and Withdrawals

​Subaccount Spot Transfers

​Fund Security

​Fees and Limits Summary

Build docs developers (and LLMs) love

USDC Deposits

USDC Withdrawals

Spot Asset Deposits and Withdrawals

Subaccount Spot Transfers

Fund Security

Fees and Limits Summary