> ## 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.

# P2P Payments

> Build instant, low-cost peer-to-peer payment flows with stablecoin-native transfers and deterministic finality on Arc.

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](/app-kit/send) to full
checkout experiences with [crosschain bridging](/app-kit/bridge) using App Kits,
Arc provides the infrastructure for fast, low-cost,
[compliant](/arc/tools/compliance-vendors) payments.

For merchant-facing checkout flows, see [eCommerce Checkout](/build/ecommerce).
For cross-currency swaps between stablecoins, see
[Stablecoin FX](/build/stablecoin-fx).

## Sample apps

Production-ready examples on GitHub you can fork and customize.

<Columns cols={3}>
  <Card title="Arc commerce" icon="credit-card" href="https://github.com/circlefin/arc-commerce">
    Accept USDC payments for in-app purchases using Circle Developer Controlled
    Wallets, Next.js, and Supabase.
  </Card>

  <Card title="Arc multichain wallet" icon="wallet" href="https://github.com/circlefin/arc-multichain-wallet">
    Unified USDC balance and crosschain transfers using Circle Gateway, Next.js,
    and Supabase.
  </Card>

  <Card title="Arc fintech" icon="building-columns" href="https://github.com/circlefin/arc-fintech">
    Multichain treasury system with crosschain capital movement using Circle
    Developer-Controlled Wallets, Gateway, and Bridge Kit.
  </Card>
</Columns>

## Quickstarts

Get up and running with payment flows in minutes.

<Columns cols={2}>
  <Card title="Send tokens" icon="paper-plane" href="/app-kit/quickstarts/send-tokens-same-chain">
    **Beginner**. Transfer stablecoins between wallets using [App
    Kit](/app-kit/send).
  </Card>

  <Card title="Bridge tokens across blockchains" icon="bridge" href="/app-kit/quickstarts/bridge-tokens-across-blockchains">
    **Beginner**. Move USDC across blockchains using [App
    Kits](/app-kit/bridge).
  </Card>

  <Card title="Unified Balance deposit and spend" icon="layer-group" href="/app-kit/quickstarts/unified-balance-deposit-and-spend">
    **Intermediate**. Aggregate USDC across blockchains into a single spendable
    balance with [Unified Balance](/app-kit/unified-balance), which consolidates
    multichain USDC into one virtual balance.
  </Card>
</Columns>

## Why Arc for payments

Arc is purpose-built for stablecoin finance. These capabilities directly support
payment applications.

<AccordionGroup>
  <Accordion title="Sub-second finality">
    [Deterministic finality](/arc/concepts/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.
  </Accordion>

  <Accordion title="Near-zero gas fees">
    USDC-denominated gas at stable, predictable prices keeps transaction costs
    minimal. See [gas and fees](/arc/references/gas-and-fees) for current rates.
  </Accordion>

  <Accordion title="Native compliance hooks">
    Built-in integration points for transaction monitoring and wallet screening
    from providers like [Elliptic and TRM Labs](/arc/tools/compliance-vendors).
  </Accordion>

  <Accordion title="Multi-stablecoin support">
    Native support for USDC and EURC. See [contract
    addresses](/arc/references/contract-addresses) for token details, and use
    the [Swap](/app-kit/swap) capability to exchange between currencies.
  </Accordion>

  <Accordion title="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](/arc/concepts/consensus-layer).
  </Accordion>

  <Accordion title="Standard EVM tooling">
    Full [EVM compatibility](/arc/references/evm-differences) means your
    existing Solidity, Hardhat, and Foundry workflows work unchanged. [Deploy on
    Arc](/arc/tutorials/deploy-on-arc) to get started.
  </Accordion>
</AccordionGroup>