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A send is a native USDC payment on Stellar. Pesa builds the transaction, the user signs it, and Pesa’s relay pays the fee.
The transfer goes AWAITING_SIGNATURE → STELLAR_SIGNED → DELIVERED. The recipient needs a USDC trustline. A Stellar contract address (C...) needs none.

Signing with a Privy Stellar wallet

Privy’s Stellar wallet signs a hash. Sign the transaction’s hash and attach the signature:
addSignature checks the signature against the public key, so a wrong signature fails before anything is sent.