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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.

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Sample apps

Production-ready examples 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.

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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.

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Why Arc for payments

Arc is purpose-built for stablecoin finance. These capabilities directly support payment applications.
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.
USDC-denominated gas at stable, predictable prices keeps transaction costs minimal. See gas and fees for current rates.
Built-in integration points for transaction monitoring and wallet screening from providers like Elliptic and TRM Labs.
Native support for USDC and EURC. See contract addresses for token details, and use App Kit Swap to exchange between currencies.
Transaction ordering guarantees prevent front-running and ensure payments settle in the order they are submitted. Learn more about Arc’s consensus layer.
Full EVM compatibility means your existing Solidity, Hardhat, and Foundry workflows work unchanged. Deploy on Arc to get started.