Why fund Plu from Argent?
Argent is a smart-contract wallet focused on Ethereum and Starknet, with built-in DeFi integrations.
Plu issues a Visa card you can fund directly with stablecoins. Argent uses smart-contract account abstraction — it's slightly different from a traditional EOA wallet. Sending USDC or USDT to Plu still works the same way; Argent handles the gas in ETH automatically. The result: one on-chain transaction, then you spend at any of 100+ million Visa merchants in 143+ countries — no exchange off-ramp, no bank account required.
This guide walks you through the exact flow: copying Plu's deposit address, choosing the right network on Argent, sending the transfer, and confirming the credit. Most users finish in under 5 minutes.
What you'll need
- Argent installed on your mobile app
- USDC or USDT on Ethereum (ERC-20) balance in your Argent wallet (enough for the transfer + a small network fee buffer)
- A Plu account (free — sign up at app.getplu.com if you don't have one)
- Internet connection on both devices
Step-by-step
1. Open Plu and tap Add funds
Choose USDC or USDT. Plu will prompt you to pick a network.
2. Choose your network
Argent sends via Ethereum (ERC-20). Network fees vary with gas conditions ($2-15 typical). For cheaper funding, consider holding USDT or USDC in a Tron-compatible wallet for TRC-20 transfers (under $1 in fees).
3. Copy the deposit address
Plu shows a unique deposit address for the network you selected. Tap to copy. Verify the first and last 4 characters match what you'll paste in the next step.
4. Open Argent and tap Send
In Argent, tap the USDC or USDT asset, then Send. Argent will ask you to choose a network — pick Ethereum mainnet. Paste the Plu deposit address.
5. Paste the address and enter the amount
Paste the Plu deposit address. Enter the USDC or USDT amount you want to fund. Argent will show you the network fee — review it, then confirm.
6. Wait for the credit
Once the transaction confirms on-chain, Plu credits your balance. Ethereum (ERC-20) typically takes 1-3 minutes. You'll see a notification in the Plu app.
Network selection
Argent supports the following networks for Plu funding:
| Network | Fee | Speed | Recommended for |
|---|---|---|---|
| Ethereum (ERC-20) | $2-15 typical (gas-dependent) | 1-3 minutes | USDC/USDT already on Ethereum |
Default recommendation: **Ethereum (ERC-20)**.
Common issues and fixes
- Daily limits — Argent has a daily transaction limit by default. For large transfers, you may need to wait or raise the limit (which requires a guardian confirmation in Argent's recovery setup).
- Starknet vs Ethereum — Argent supports both. Plu accepts Ethereum (ERC-20), not Starknet. Confirm the network selection.
- Smart wallet activation — first-time Argent users have an activation transaction. Make sure your wallet is activated before sending.
- Recovery setup — keep your Argent guardian configuration up to date. Lost access to a smart wallet is harder to recover than a seed-phrase wallet.
What you can do once funded
Once your Plu balance lands, you can:
- Add the Plu Visa to Apple Pay or Google Pay for contactless payments
- Pay any subscription billed in USD (Netflix, Spotify, GitHub, ChatGPT, AWS, etc.)
- Spend at any merchant accepting Visa — 100+ million worldwide
- Withdraw cash at ATMs at competitive rates
- Issue scoped Agent Cards for AI agents (Claude, Cursor, etc.) with hard spending limits
Browse the dedicated USDC and USDT card pages to see networks supported, country availability, and detailed comparisons.
Frequently asked questions
Does Argent's daily limit apply to sending to Plu?
Yes — the default daily limit is set per wallet. To raise it, go to Settings > Security and update the limit (this requires confirmation from your Argent guardians). Once raised, larger transfers process normally.
What network should I use to send from Argent?
Argent supports Ethereum (ERC-20) only. Network fees vary with gas — typically $2-15. For cheaper funding, consider a Tron-compatible wallet.
How long does the transfer take to credit my Plu balance?
Once the transaction confirms on-chain, Plu credits your balance immediately. Confirmation time depends on the network: TRC-20 lands in 30-90 seconds, ERC-20 takes 1-3 minutes, Solana under 30 seconds.
What if I send to the wrong network?
Cross-chain mistakes are usually unrecoverable. Always confirm the destination address matches the network shown in Plu's deposit screen. Tron addresses start with "T", Ethereum addresses start with "0x", Solana addresses use base58 encoding. Argent should clearly show the network at the top of the send screen — match it to what Plu requested.
Is there a minimum or maximum deposit?
Plu's minimum deposit is generally low (under $10 equivalent) but varies by tier. Maximum deposits scale with your account verification level. Network fees may make very small deposits uneconomical — it's best to batch top-ups when possible.