Accept any stablecoin.
Settle the one you want.
Arcorapay gives global businesses a checkout that quotes live FX, settles on-chain in seconds, and pays out in your stablecoin of choice — the customer signs once, with no gas and no transaction.
Settlement replay
Real flow. Real math. Arc testnet.
Replay of the v0.8 pay-flow on Arc Testnet — quote from Circle's App Kit Swap, deterministic merchant payout from the deployed gateway. No fictional volumes.
Settlement runs through audited Arc primitives. No custody, no off-chain credit; funds either land in the merchant's wallet or refund to the payer.
One signature, no transaction for the customer. Live FX from Arc's App Kit Swap — Circle's RFQ-backed maker network — settles sub-30s.
Stablecoin-native rails. Accept USDC or EURC anywhere, settle in the stablecoin you choose. Crosschain reach via App Kit Bridge on the roadmap.
How it works
Three steps from invoice to settlement.
- 01
Merchant creates an invoice
Three-line SDK call or one click in the dashboard. Set the amount, the stablecoin you want to receive, and the success URL — Arcora returns a hosted checkout link.
await Arcora.createInvoice({amountUsdc: 49.99,payInToken: "EURC",successUrl: "...",}); - 02
Customer signs once
The customer opens the link, connects their wallet, sees a live FX quote, and signs a single Permit2 EIP-712 message. No gas, no on-chain transaction on their side.
wallet.signTypedData(permit2Msg); - 03
Arcora settles in seconds
Arcora's relayer pulls the funds via Permit2, runs the FX swap on Arc's App Kit, and delivers the merchant's preferred stablecoin — minus the protocol fee. Webhook fires once the indexer sees InvoicePaid.
→ kit.swap(USDC → EURC)→ gateway.settleInvoice→ webhook invoice.paid
Checkout demo opens in a separate page so you can step through the flow without leaving the marketing context.
Merchant dashboard
Treasury that reads like a P&L.
Every payment, every refund, every payout — reconciled to the second. Filter by currency, chain, or merchant of record.
Volume · last 30d
Recent settlements
Live- 0xa9..3f1+$840.00USDC14s ago
- 0x47..b22+€1,240.50EURC1m ago
- 0xd0..7e8+$92.00USDC3m ago
- 0x12..a90+$2,100.00USDC8m ago
- 0x88..c41−$48.00USDC12m ago
- 0x6b..029+€312.00EURC21m ago
Illustrative · numbers above are sample shapes. Your real treasury sits at /m/treasury.
Developers
Four lines.
First settlement.
Drop in the npm SDK, point a webhook at your worker, and you're collecting stablecoin volume. TypeScript-first, framework-agnostic, batteries included.
1import { Arcora } from '@arcora/sdk';23const arcora = new Arcora({ apiKey: process.env.ARCORA_KEY });45// Create an invoice — customer pays EURC, you settle in your payout stable6const invoice = await arcora.createInvoice({7 amountUsdc: 49.00,8 payInToken: 'EURC',9 successUrl: 'https://shop.example.com/ok',10 metadata: { orderId: 'ord_8124' },11});1213return Response.redirect(invoice.url);
Roadmap
Outward, signature by signature.
v1 settles USDC and EURC on Arc today. Each subsequent release moves the customer-side surface outward — more stables, more chains, fewer signatures — without rewriting the stack underneath.
Hosted checkout & merchant dashboard
Gas-less Permit2 checkout driving Circle's App Kit Swap on Arc, SIWE auth, refunds, treasury view, npm SDK, WooCommerce plugin. Live on Arc testnet.
Custody escrow & Vault-backed relayer
Escrow-per-invoice settlement with a 7-day refund window and permissionless claim, admin recovery, compliance gate (Phase 0), relayer key isolated in HashiCorp Vault.
Hardening, UI v2 & public beta
Internal-audit findings remediated off-chain, browser-safe publishable keys, rate limiting + SSRF guards, UI v2 redesign — public testnet beta live at arcorapay.xyz.
Crosschain checkout via App Kit Bridge
Customer pays USDC from another chain, merchant still settles on Arc. Feature-flagged demo in development against Sepolia / Base Sepolia, CCTP attestation flow.
Mainnet — gated on Arc
Hard-gated on Arc Network mainnet plus our pre-mainnet checklist: external audit, multisig admin, KYB, HSM signing, real price feeds, compliance provider activation.
Any token, any source chain
Source-side DEX aggregation (native ETH, any ERC-20) and non-EVM sources — Solana wallet stack, native CCTP routes — before bridging to Arc settlement.
One-signature intents
User signs a single intent; an Arcora solver executes the full route. The one-signature endgame.
Customer pays from anywhere. Merchant settles on Arc.
v2.0 wires CCTP into the gateway: a customer with USDC on Ethereum, Arbitrum, Base, Optimism, Polygon, or any other CCTP-supported chain pays as if they were already on Arc. Arcora burns on the source, mints on Arc, runs the merchant's preferred swap, and emits the same InvoicePaid event the v1 indexer already understands.
Any stablecoin App Kit supports.
USDC and EURC ship today. App Kit Swap on Arc already supports USDT, USDe, DAI, and PYUSD; turning each one on inside Arcora is a token-whitelist call on the gateway. No per-pair contract redeploy, no AMM to seed — the FX layer is Arc-native.
| Token | Rate / USD | Status |
|---|---|---|
| USDC | 1.0000 | live |
| EURC | 1.0863 | live |
| USDT | 1.0001 | v1.x |
| PYUSD | 1.0000 | v1.x |
| DAI | 1.0003 | v1.x |
| TRYC | 0.0291 | later |
Rates shown are illustrative — only USDC and EURC have live oracles today.
One signature. Full route.
The customer signs once. An Arcora solver executes the source-chain swap, the App Kit Bridge route to Arc, the destination swap, and the merchant settlement — off the user's critical path. One signature, full route — checkout-grade UX on stablecoin rails.
Get started
Ship a checkout this afternoon. Settle by morning.
Arc testnet is open. v1 is live; v2 is in development.