diff --git a/packages/fast-usdc/test/fast-usdc.contract.test.ts b/packages/fast-usdc/test/fast-usdc.contract.test.ts
index 38e80e76e71..4648332272f 100644
--- a/packages/fast-usdc/test/fast-usdc.contract.test.ts
+++ b/packages/fast-usdc/test/fast-usdc.contract.test.ts
@@ -633,10 +633,14 @@ const makeCustomer = (
       const myMsg = local.find(lm => {
         if (lm.type !== 'VLOCALCHAIN_EXECUTE_TX') return false;
         const [ibcTransferMsg] = lm.messages;
+        // support advances to noble + other chains
+        const receiver =
+          ibcTransferMsg.receiver === 'pfm'
+            ? JSON.parse(ibcTransferMsg.memo).forward.receiver
+            : ibcTransferMsg.receiver;
         return (
           ibcTransferMsg['@type'] ===
-            '/ibc.applications.transfer.v1.MsgTransfer' &&
-          ibcTransferMsg.receiver === EUD
+            '/ibc.applications.transfer.v1.MsgTransfer' && receiver === EUD
         );
       });
       if (!myMsg) {
@@ -652,17 +656,24 @@ const makeCustomer = (
         { amount: String(toReceive.value), denom: uusdcOnAgoric },
         'C4',
       );
-
-      t.log(who, 'sees', ibcTransferMsg.token, 'sent to', EUD);
-      // TODO #10445 expect PFM memo
-      t.is(ibcTransferMsg.memo, '', 'TODO expecting PFM memo');
-
-      // TODO #10445 expect routing through noble, not osmosis
+      if (!EUD.startsWith('noble')) {
+        t.like(
+          JSON.parse(ibcTransferMsg.memo),
+          {
+            forward: {
+              receiver: EUD,
+            },
+          },
+          'PFM receiver is EUD',
+        );
+      } else {
+        t.like(ibcTransferMsg, { receiver: EUD });
+      }
       t.is(
         ibcTransferMsg.sourceChannel,
-        fetchedChainInfo.agoric.connections['osmosis-1'].transferChannel
+        fetchedChainInfo.agoric.connections['noble-1'].transferChannel
           .channelId,
-        'TODO expecting routing through Noble',
+        'expect routing through Noble',
       );
     },
   });
diff --git a/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.md b/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.md
index ece2a6e83cd..72890a09ece 100644
--- a/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.md
+++ b/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.md
@@ -43,6 +43,7 @@ Generated by [AVA](https://avajs.dev).
             bech32Prefix: 'agoric',
             chainId: 'agoric-3',
             icqEnabled: false,
+            pfmEnabled: true,
             stakingTokens: [
               {
                 denom: 'ubld',
@@ -53,11 +54,13 @@ Generated by [AVA](https://avajs.dev).
             bech32Prefix: 'noble',
             chainId: 'noble-1',
             icqEnabled: false,
+            pfmEnabled: true,
           },
           osmosis: {
             bech32Prefix: 'osmo',
             chainId: 'osmosis-1',
             icqEnabled: true,
+            pfmEnabled: true,
             stakingTokens: [
               {
                 denom: 'uosmo',
diff --git a/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.snap b/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.snap
index b4f6db225e5..c289cbdd0bb 100644
Binary files a/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.snap and b/packages/fast-usdc/test/snapshots/fast-usdc.contract.test.ts.snap differ
diff --git a/packages/fast-usdc/test/supports.ts b/packages/fast-usdc/test/supports.ts
index 2c9154ab227..7a64bcf2ff2 100644
--- a/packages/fast-usdc/test/supports.ts
+++ b/packages/fast-usdc/test/supports.ts
@@ -4,6 +4,7 @@ import { makeFakeStorageKit } from '@agoric/internal/src/storage-test-utils.js';
 import { eventLoopIteration } from '@agoric/internal/src/testing-utils.js';
 import {
   denomHash,
+  withChainCapabilities,
   type CosmosChainInfo,
   type Denom,
 } from '@agoric/orchestration';
@@ -196,7 +197,7 @@ export const commonSetup = async (t: ExecutionContext<any>) => {
   );
 
   const chainInfo = harden(() => {
-    const { agoric, osmosis, noble } = fetchedChainInfo;
+    const { agoric, osmosis, noble } = withChainCapabilities(fetchedChainInfo);
     return { agoric, osmosis, noble };
   })();