Build direct, peer-to-peer payment flows using stablecoins on Arc. P2P payments let users send value directly to each other without an intermediary, settled onchain in under a second. From simple transfers to full checkout experiences with crosschain bridging using App Kit, Arc provides the infrastructure for fast, low-cost, compliant payments. For merchant-facing checkout flows, see eCommerce Checkout. For cross-currency swaps between stablecoins, see Stablecoin FX.Documentation Index
Fetch the complete documentation index at: https://docs.arc.io/llms.txt
Use this file to discover all available pages before exploring further.
Sample apps
Production-ready examples on GitHub you can fork and customize.Arc commerce
Accept USDC payments for in-app purchases using Circle Developer Controlled
Wallets, Next.js, and Supabase.
Arc multichain wallet
Unified USDC balance and crosschain transfers using Circle Gateway, Next.js,
and Supabase.
Arc fintech
Multichain treasury system with crosschain capital movement using Circle
Developer-Controlled Wallets, Gateway, and Bridge Kit.
Quickstarts
Get up and running with payment flows in minutes.Send tokens
Beginner. Transfer stablecoins between wallets using App
Kit.
Bridge tokens across blockchains
Beginner. Move USDC across blockchains using App Kit.
Unified Balance deposit and spend
Intermediate. Aggregate USDC across blockchains into a single spendable
balance with Unified Balance, which consolidates
multichain USDC into one virtual balance.
Why Arc for payments
Arc is purpose-built for stablecoin finance. These capabilities directly support payment applications.Sub-second finality
Sub-second finality
Deterministic finality — the
guarantee that a confirmed transaction cannot be reversed or reorganized —
means payments confirm in under a second, giving senders and recipients
immediate certainty.
Near-zero gas fees
Near-zero gas fees
USDC-denominated gas at stable, predictable prices keeps transaction costs
minimal. See gas and fees for current rates.
Native compliance hooks
Native compliance hooks
Built-in integration points for transaction monitoring and wallet screening
from providers like Elliptic and TRM Labs.
Multi-stablecoin support
Multi-stablecoin support
Native support for USDC and EURC. See contract
addresses for token details, and use
App Kit Swap to exchange between currencies.
Deterministic ordering
Deterministic ordering
Transaction ordering guarantees prevent front-running and ensure payments
settle in the order they are submitted. Learn more about Arc’s consensus
layer.
Standard EVM tooling
Standard EVM tooling
Full EVM compatibility means your
existing Solidity, Hardhat, and Foundry workflows work unchanged. Deploy on
Arc to get started.