Arc to COPm settlement

COP By prepares settlement orders that start with USDC on Arc and end with COPm at an EVM address on Celo.

Arc USDC
  → Circle CCTP Standard Transfer
  → Arbitrum USDC
  → Squid
  → Celo USDm
  → Mento
  → COPm destination

The public API currently supports read-only quotes and order creation. Orders return execution.mode: pending_burn_plan; do not ask a user to approve or burn USDC until COP By enables the signed burn plan for your organization.

Product rules

Rule	Value
Source	USDC on Arc
Destination	Any valid EVM address on Celo
Minimum principal	10 USDC
Maximum principal	1,000 USDC
Quote lifetime	60 seconds
COP By fee	1% by default; configurable
Squid route slippage	3%
Maximum accepted route variance	4%
Circle transfer	CCTP Standard Transfer with Forwarding Service

The Circle forwarding fee is charged in addition to the principal. The quote returns both circleUpfrontFeeUsdc and totalDebitUsdc. Squid costs remain included in the route output and are not presented as a separate customer fee.

Create a quote

curl --request POST \
  --url https://api.copby.digitalcop.shop/api/integrations/settlements/quotes \
  --header 'Authorization: Bearer copby_live_pk_...' \
  --header 'Content-Type: application/json' \
  --data '{
    "sendAmountUsdc": "50",
    "sourceAddress": "0x2222222222222222222222222222222222222222",
    "destinationAddress": "0x3333333333333333333333333333333333333333"
  }'

sendAmountUsdc is the exact principal covered by the Circle quote. The user debit is:

totalDebitUsdc = sendAmountUsdc + circleUpfrontFeeUsdc

copAmountMin is the binding delivery floor. Create the order before expiresAt; otherwise request a new quote.

Create an order

Use a unique Idempotency-Key for every logical order. Retrying the same key and quote returns the same order. Reusing the key for a different quote returns IDEMPOTENCY_CONFLICT.

curl --request POST \
  --url https://api.copby.digitalcop.shop/api/integrations/settlements/orders \
  --header 'Authorization: Bearer copby_live_pk_...' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: deposit-2026-09-23-001' \
  --data '{
    "quoteId": "qst_example",
    "reference": "customer-deposit-1042"
  }'

Creating an order does not move funds. The current response reports IN_USER_WALLET and pending_burn_plan.

Read an order

curl --request GET \
  --url https://api.copby.digitalcop.shop/api/integrations/settlements/orders/ord_example \
  --header 'Authorization: Bearer copby_live_pk_...'

Orders are isolated by organization. An API key cannot read an order owned by another integration.

Errors

Settlement errors include lifecycle context instead of a generic message:

{
  "error": {
    "code": "QUOTE_EXPIRED",
    "message": "La cotizacion expiro.",
    "stage": "CREATED",
    "fundsStatus": "IN_USER_WALLET",
    "fundsMoved": false,
    "retryable": true,
    "nextAction": "CREATE_NEW_QUOTE"
  }
}

Before the burn plan is enabled, INTAKE_PAUSED means no funds moved and the user still controls their USDC. A route above the 4% guard returns SLIPPAGE_LIMIT_EXCEEDED; COP By does not proceed to burn.

Settlement boundary

COP By considers a settlement delivered only after COPm is verified at the requested Celo address. Depositing those COPm into Neeru or another protocol is outside this settlement order and requires a separate integration.

Errors and lifecycle

Handle quote expiry, intake pauses, stuck orders, and safe retries.

API reference

Inspect settlement request and response schemas.

Start here

Products

Operations

Product rules

Create a quote

Create an order

Read an order

Errors

Settlement boundary

Errors and lifecycle

API reference

​Product rules

​Create a quote

​Create an order

​Read an order

​Errors

​Settlement boundary

Errors and lifecycle

API reference

Product rules

Create a quote

Create an order

Read an order

Errors

Settlement boundary