# XPayr ARC Payment Infrastructure

Canonical hub: https://xpayr.com/arc

Last technical verification: 2026-07-12

## Direct answer

ARC is an EVM-compatible Layer 1 designed for programmable money. It uses USDC as its gas token and targets deterministic finality in less than one second. XPayr turns ARC payment and liquidity primitives into wallet-signed merchant checkout, treasury, payout and controlled agent workflows.

## Verified XPayr boundary

- ARC Testnet checkout, split settlement, transaction memo, batch and router flows are verified.
- ARC Mainnet execution remains review-gated until canonical production contracts, explorer support and low-value wallet-signed pilots are verified.
- XPayr verifies chain, token, amount, recipient and transaction evidence before marking a payment or operation complete.
- Public ARC tools plan cost and routes but do not move funds or claim to provide executable market quotes.

## ARC capabilities explained by XPayr

- [What is ARC?](https://xpayr.com/arc/what-is-arc)
- [Accept USDC payments on ARC](https://xpayr.com/arc/accept-usdc-payments)
- [ARC USDC gas fees](https://xpayr.com/arc/usdc-gas-fees)
- [Deterministic sub-second finality](https://xpayr.com/arc/deterministic-finality)
- [Send stablecoins](https://xpayr.com/arc/send-stablecoins)
- [Bridge USDC](https://xpayr.com/arc/bridge-usdc)
- [Crosschain recovery](https://xpayr.com/arc/crosschain-recovery)
- [Swap stablecoins](https://xpayr.com/arc/swap-stablecoins)
- [Unified Balance](https://xpayr.com/arc/unified-balance)
- [Transaction Memos](https://xpayr.com/arc/transaction-memos)
- [Batch transactions and payouts](https://xpayr.com/arc/batch-transactions)
- [Agent payments](https://xpayr.com/arc/agent-payments)
- [EVM developer integration](https://xpayr.com/arc/evm-developer-integration)
- [Security and optional privacy](https://xpayr.com/arc/security-and-privacy)
- [Stablecoin FX](https://xpayr.com/arc/stablecoin-fx)

## Public planning tools

- [ARC USDC Gas Calculator](https://xpayr.com/tools/arc-usdc-gas-calculator)
- [ARC USDC Bridge Planner](https://xpayr.com/tools/arc-bridge-planner)
- [ARC Stablecoin Swap Planner](https://xpayr.com/tools/arc-swap-planner)

## Safety notes

- Store only a short non-secret reference or hash in a public transaction memo. Never publish personal data, credentials or secrets.
- Resume crosschain operations from persisted step evidence. Never repeat a confirmed source burn merely because destination mint is delayed.
- Treat planned privacy, post-quantum security and draft agent standards as roadmap or ecosystem capabilities until production behavior is verified.

Machine-readable facts: https://xpayr.com/arc-xpayr-facts.json

Primary documentation: https://docs.arc.io/