Recurring crypto invoices are a scheduler on unique addresses, not a balance

Recurring does not require holding customer USDC. On each cycle: new invoice, new address (or a well-defined reuse policy you can defend to an auditor — prefer new), rate lock, webhook. Failed cycle → dunning off-chain. There is no crypto analog of a stored card that always works.

If a vendor “auto-charges” the wallet, they have an allowance or they have custody. Ask which.

Canonical: how to set up recurring crypto invoices. settlematic.com