Users can pay gas in USDC, USDT, or any token with liquidity—no native ETH required. Perfect for DeFi users who hold stablecoins but not native tokens.
MEE Supersedes Token Paymasters : Traditional ERC-4337 token paymasters handle gas-in-tokens on a single chain. Biconomy’s MEE replaces this with universal gas abstraction—pay for gas on any chain using tokens from any other supported chain . One unified system instead of chain-by-chain paymaster configuration.
When to Use Users have stablecoins but no ETH
DeFi applications where users already hold tokens
Cross-chain apps (pay from any chain)
You don’t want to sponsor gas
How It Works User has 100 USDC, 0 ETH ↓ User initiates transaction ↓ Biconomy quotes: "This costs 0.50 USDC" ↓ User signs approval ↓ Biconomy: - Deducts 0.50 USDC from user - Pays native gas on their behalf - Executes transaction ↓ User has 99.50 USDC, transaction complete
Implementation import { createMeeClient , toMultichainNexusAccount } from "@biconomy/abstractjs" ; const USDC = "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913" ; // 1. Setup const account = await toMultichainNexusAccount ({ signer: userWallet , chainConfigurations: [ { chain: base , transport: http (), version: getMEEVersion ( MEEVersion . V2_1_0 ) } ] }); const meeClient = await createMeeClient ({ account }); // 2. Build instruction const swapInstruction = await account . buildComposable ({ type: "default" , data: { chainId: base . id , to: UNISWAP_ROUTER , abi: UniswapAbi , functionName: "exactInputSingle" , args: [ swapParams ] } }); // 3. Get quote with fee token const quote = await meeClient . getQuote ({ instructions: [ swapInstruction ], feeToken: { address: USDC , chainId: base . id } }); // Show fee to user console . log ( 'Fee:' , quote . paymentInfo . tokenAmount , 'USDC' ); // 4. Execute const { hash } = await meeClient . executeQuote ({ quote }); const receipt = await meeClient . waitForSupertransactionReceipt ({ hash });
Cross-Chain Gas Payment Pay for transactions on one chain using tokens from another:
// Execute on Arbitrum, pay gas from Base USDC const quote = await meeClient . getQuote ({ instructions: [{ chainId: 42161 , // Arbitrum calls: [ /* Arbitrum transaction */ ] }], feeToken: { address: USDC_BASE , chainId: 8453 // Pay from Base } });
Cross-chain gas requires Smart Account or EIP-7702 mode. Fusion (EOA) mode only supports same-chain gas payment.
Supported Tokens Stablecoins Token Chains USDC All USDT All DAI Ethereum, Optimism, Arbitrum, Polygon FRAX Ethereum, Arbitrum, Optimism
Major Tokens Token Chains WETH All WBTC Ethereum, Arbitrum, Optimism, Polygon stETH/wstETH Ethereum, Arbitrum, Optimism
Yield-Bearing Token Chains aUSDC Ethereum, Arbitrum, Optimism, Polygon sDAI Ethereum
And 10,000+ More Any token with DEX liquidity can be used. Biconomy’s solver network finds the best route to convert to native gas.
By Wallet Type Smart Account
EIP-7702 (Embedded)
Fusion (EOA)
Most flexible—any token from any chain: const quote = await meeClient . getQuote ({ instructions: [ instruction ], feeToken: { address: USDC , chainId: base . id } });
Same flexibility, requires delegation: const quote = await meeClient . getQuote ({ instructions: [ instruction ], delegate: true , authorization , feeToken: { address: USDC , chainId: base . id } });
Fee token must match trigger token, same chain: const quote = await meeClient . getFusionQuote ({ trigger: { chainId: base . id , tokenAddress: USDC , amount: inputAmount }, instructions: [ instruction ], feeToken: { address: USDC , chainId: base . id } // Must match trigger });
Showing Fees to Users Always show the fee before asking for signature:
const quote = await meeClient . getQuote ({ instructions: [ ... ], feeToken: { address: USDC , chainId: base . id } }); // Display to user const feeDisplay = ` Transaction Fee: ${ formatUnits ( quote . paymentInfo . tokenAmount , 6 ) } USDC You will receive: ${ formatUnits ( outputAmount , 18 ) } WETH ` ; // Confirm before executing if ( await userConfirms ( feeDisplay )) { await meeClient . executeQuote ({ quote }); }
Multiple Fee Tokens Let users choose their preferred token:
// Get quotes for different tokens const [ usdcQuote , usdtQuote , daiQuote ] = await Promise . all ([ meeClient . getQuote ({ instructions , feeToken: { address: USDC , chainId } }), meeClient . getQuote ({ instructions , feeToken: { address: USDT , chainId } }), meeClient . getQuote ({ instructions , feeToken: { address: DAI , chainId } }), ]); // Show options to user const options = [ { token: 'USDC' , fee: usdcQuote . paymentInfo . tokenAmount }, { token: 'USDT' , fee: usdtQuote . paymentInfo . tokenAmount }, { token: 'DAI' , fee: daiQuote . paymentInfo . tokenAmount }, ];
Next Steps
Sponsorship Pay gas for your users instead
Use Cases See token payment examples
