How XPayr applies it
XPayr brings ARC USDC checkout, predictable dollar-denominated gas, sub-second settlement, Bridge, Swap, Unified Balance, transaction memos, batch payouts and agent-ready payment controls into one merchant workflow.
XPayr on ARC
ARC payments, explained and usable through XPayr.
ARC is a stablecoin-native Layer 1 for programmable money. XPayr translates its payment, liquidity and settlement primitives into merchant checkout, treasury movement, payout and agent workflows.
Verified on ARC Testnet
Mainnet review-gated
ARC uses USDC as gas, targets sub-second deterministic finality and combines EVM tooling with Circle payment and crosschain infrastructure. That removes volatile gas-token accounting from many stablecoin workflows.
Technical status last verified July 2026
ARC Testnet checkout, split settlement, memo, batch and router flows are verified. Mainnet activation remains review-gated until canonical production contracts and wallet-signed pilots pass.
Explore every ARC capability
ARC is a stablecoin-native Layer 1 for programmable money. XPayr translates its payment, liquidity and settlement primitives into merchant checkout, treasury movement, payout and agent workflows.
What is ARC?
ARC is an EVM-compatible Layer 1 built for programmable money. It uses USDC as its native gas token, targets sub-second deterministic finality and integrates Circle infrastructure for payments, liquidity and crosschain movement.
Verified on ARC TestnetAccept USDC payments on ARC
ARC checkout lets a merchant price and settle in a stable unit while the customer pays from a compatible wallet. Deterministic confirmation, stable gas accounting and programmable contracts make ARC relevant to ecommerce, SaaS and platform payments.
Verified on ARC TestnetARC USDC gas fees
ARC pays network gas in USDC instead of a volatile native coin. Its EIP-1559-style fee market uses EWMA smoothing to reduce short-term fee shocks and keep operational costs easier to estimate in dollar terms.
Verified on ARC TestnetARC sub-second deterministic finality
Deterministic finality means a confirmed ARC transaction is not expected to be reorganized later. ARC targets confirmation in under a second, which can shorten payment, payout and agent-job settlement loops.
Verified on ARC TestnetSend stablecoins on ARC
App Kit Send transfers a supported token between wallets on the same blockchain. On ARC this can support USDC treasury moves, refunds, reward distribution and direct wallet-to-wallet settlement without a crosschain route.
Verified on ARC TestnetBridge USDC to and from ARC
ARC App Kit Bridge abstracts the CCTP burn, attestation and mint sequence for supported USDC routes. It is designed to let users move native USDC between ARC, EVM networks and supported non-EVM environments without wrapped-liquidity accounting.
Verified on ARC TestnetARC crosschain recovery
A crosschain USDC transfer should preserve completed approve, burn and attestation steps instead of restarting the entire route after a recoverable failure. App Kit returns step state and transaction evidence that can be persisted and retried safely.
Verified on ARC TestnetSwap stablecoins on ARC
App Kit Swap exchanges supported assets on the same chain and can combine with a bridge for crosschain conversion workflows. Estimates, slippage controls and stop limits matter because the final output depends on liquidity at execution time.
Verified on ARC TestnetARC Unified Balance
Unified Balance combines deposited USDC from supported blockchains into one chain-agnostic balance that can be spent on a destination chain. It reduces the need for a user to manually coordinate each bridge before a payment.
Verified on ARC TestnetARC transaction memos
ARC Memo attaches structured metadata to a contract call and emits an indexed event. Payment IDs, invoice references, payout batches and operational notes can therefore travel with auditable onchain evidence instead of an offchain screenshot.
Verified on ARC TestnetARC batch transactions and payouts
Multicall3From batches multiple calls while preserving the original sender for each subcall. This supports atomic or partially successful operational batches with a clearer origin than generic relay execution.
Verified on ARC TestnetARC payments for AI agents
ARC’s agentic-economy direction combines onchain identity, reputation and programmable job settlement concepts such as ERC-8004 and ERC-8183. Agents can coordinate work and stablecoin value under explicit policy and budget constraints.
Mainnet review-gatedBuild on ARC with EVM tools
ARC supports familiar Solidity and EVM tooling such as ethers and viem, but developers must account for ARC-specific behavior including USDC gas precision, native and ERC-20 USDC interfaces, transaction extensions and restricted-transfer reverts.
Verified on ARC TestnetARC security and opt-in privacy
ARC documents configurable privacy and post-quantum security as evolving parts of its roadmap. Current integrations should distinguish live execution behavior from planned protocol modules and preserve auditability where regulations or operations require it.
ARC ecosystem capabilityStablecoin FX on ARC
ARC is designed for stablecoin FX with transparent pricing, predictable fees and onchain settlement. App Kit swaps and bridges address application-level routes, while StableFX describes enterprise RFQ and escrow settlement patterns.
ARC ecosystem capabilityFree ARC planning tools
Estimate USDC gas, map a CCTP bridge and preview a same-chain stablecoin swap before connecting a wallet.
ARC USDC Gas Calculator
Estimate an ARC transaction budget in USDC using the current gas inputs you provide. The calculator does not present a fixed Mainnet quote.
Open the free ARC toolARC USDC Bridge Planner
Plan a USDC route into or out of ARC, separate the bridge amount from the XPayr operation fee and continue to wallet-signed execution.
Open the free ARC toolARC Stablecoin Swap Planner
Preview a same-chain stablecoin conversion, slippage budget and XPayr operation fee before requesting an executable quote.
Open the free ARC toolFrom question to a controlled ARC transaction
Understand the primitive
Start with the exact ARC capability, supported asset and network boundary instead of a generic blockchain promise.
Plan the route
Choose checkout, send, bridge, swap, Unified Balance, memo, batch or agent settlement and review its fee model.
Sign from the wallet
The merchant or payer wallet signs the operation. XPayr does not treat a browser response as settlement proof.
Verify and reconcile
XPayr checks chain, token, amount, recipient and transaction evidence before updating payment and fee ledgers.
ARC questions answered clearly
What makes ARC different for payment applications?
ARC uses USDC as gas, targets sub-second deterministic finality and combines EVM tooling with Circle payment and crosschain infrastructure. That removes volatile gas-token accounting from many stablecoin workflows.
Is this available on ARC Mainnet through XPayr?
XPayr keeps ARC Mainnet payment execution review-gated until canonical production contracts, explorer support and low-value wallet-signed pilots are verified. Public tools and Testnet flows remain available for evaluation.
Does XPayr custody funds or hide the network fee?
No. Wallets sign transactions, chain fees remain visible and XPayr records its operation fee separately. Standard successful checkout uses the configured XPayr gateway fee; advanced ARC operations use their published fee quote.
Primary references
Move from ARC research to a working test flow.
Open the public planner, then create a free merchant account to test checkout and wallet-signed operations without enabling Mainnet.