You can program what happens when you send funds onchain. You can't program what happens when you receive them. This asymmetry is the problem.

Receiving tokens today is a passive action. Funds arrive, they sit, and then someone figures out what to do with them. Bridge them. Swap them. Deposit them somewhere. Each step is a separate transaction, a separate decision.

This gets worse when the sender’s and receiver’s chains don't match. When a user has a Solana wallet, but the sender is on Ethereum, the address formats don’t match. So someone has to bridge first to make a transaction.

What if your wallet address was smarter, worked seamlessly across chains, and knew just what to do when money arrived?

Today, Eco is releasing Programmable Addresses. 

Programmable Addresses are smart contracts that can perform any complex action at the moment funds are received: swap, bridge, deposit, split, or any combination of the above. They're deterministic, permanent endpoints that any sender can use from any chain — no bridging, no extra steps, no special apps. The logic runs automatically. For the first time, receiving is something that happens for you, not just to you.

How Programmable Addresses Work

A Programmable Address is a smart contract with routing and settlement logic. It's deterministically derived from a wallet address or scoped to a product-specific domain; the same input always produces the same address across all supported chains. Compute it once, and it exists forever: a permanent endpoint that can be shared publicly, embedded in invoices, or surfaced in a product UI.

When tokens arrive at the Programmable Address on any chain, the attached logic executes automatically:

1. Eco automatically deploys a Programmable Address contract (on the first deposit only; no gas is paid until funds actually arrive)
2. The Programmable Address then executes the pre-programmed action 

The sender makes a normal transfer. They don't bridge; they don't use a special app. The Programmable Address handles swapping, bridging, or settling, as programmed. No manual steps, no additional transactions–seamlessly. 

The most common use case for Programmable Addresses will be cross-chain deposits: tokens arrive on any supported EVM chain and automatically settle to a Solana wallet. But Programmable Addresses support arbitrarily encoded actions and more complex settlement rules. Deposit is the first programmable action, not the last.

Guaranteed Stablecoin Execution, Automatic Refunds Powered by Eco Routes

Programmable Addresses use Eco Routes as the execution layer. When the programmable action involves cross-chain movement, the Programmable Address creates a Routes intent. Solvers compete to fulfill it. Provers verify execution. All in real time.  

Programmable Addresses inherit Routes' properties: fast execution through solver competition, cryptographic proof of delivery, gasless, and automatic refunds if an intent expires unfulfilled. No stuck funds, no failed transactions without recourse.

What Builders Can Do With Programmable Addresses

Instant, Seamless Cross-Chain Transfers

A Phantom Solana user wants to receive USDC from an Ethereum wallet. Today, that means one of them has to bridge, pay gas, wait for confirmation, and hope the funds arrive. With a Programmable Address, the sender makes a normal transfer to a persistent address. The funds bridge automatically and land in the receiver’s Phantom wallet. The receiver never touches a bridge. Give any wallet the ability to receive from any chain, and the entire coordination problem disappears.

Accept Payments from Any Chain, Settle to One

A merchant selling globally can't control which payment chain their customers use. Today, that means either limiting accepted payment methods or manually reconciling funds across chains before they ever reach the treasury. With a Programmable Address, a customer can pay from any Eco-supported chain. Every payment routes automatically to the merchant's destination of choice, whether that's a Gnosis Safe, a yield protocol, or a Squads treasury wallet on Solana. No manual sweeps, no operational overhead, no dropped payments. The merchant just gets paid.

Seamlessly Pay Many Cross-Chain Accounts in One Transaction

A company pays contractors across 15 countries. Each one has a different preferred chain– some are on Solana, some are on Base, some are on Arbitrum. Today, the finance team either has to maintain balances on every chain, ask contractors to specify a single chain and deal with the complaints, or route everything through a manual bridging step before payroll runs. It's a coordination problem that scales badly.

With Programmable Addresses, every contractor shares a single address. The company sends from wherever its treasury lives. Each payment routes automatically and lands on the contractor's chain of choice. The finance team runs payroll once. No chain coordination, no manual bridging, no "I didn't receive my payment" support tickets from someone on the wrong network.

Start Building

Programmable Addresses are live today. EVM-to-Solana is the first programmable action, but this is infrastructure, not a feature. The same architecture that routes a cross-chain deposit can execute any logic you attach to it: split payments, automated yield deposits, conditional settlement, multi-step flows. Whatever the action, it runs as soon as funds arrive.

Addresses have been static since the beginning of crypto. Every chain, every wallet, every protocol has assumed that receiving is the end of the story and that anything after requires a separate transaction, a separate integration, a separate point of failure. Programmable Addresses change that assumption.

The contracts are deployed. The system is live. Start building.

About Eco

Eco powers real-time money movement across every major stablecoin and blockchain, ensuring dollars flow seamlessly across today's fragmented multichain landscape. Leading apps and protocols integrate Eco to power stablecoin flows where best-in-class execution is required — upgrading stablecoin UX throughout their ecosystems and unifying them all in a thriving Stablecoin Economy.

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About Eco Inc.

Eco Inc. is a blockchain company building software that maximizes money’s value. The company is a founding contributor to the Eco Protocol and the builder of Bend. We expect better from our money, and we want you to as well. That’s what drives us every day.

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