Arcora

Stablecoin Checkout & Settlement

Accept, move, and settle stablecoin payments with confidence.

Arcora gives global businesses a checkout that quotes live FX, settles on-chain in seconds, and pays out in the stablecoin you choose. Secure. Compliant. Built for scale.

Live · Arc testnet · Gateway 0x6fAaD9…ec5d507a8

oracle 1 EUR = 1.0863 USD

CUSTOMER

1USDC

Quote ready

Same-token · No swap

ArcFXGateway

amountIn1 USDC

protocol fee · 30 bps0.003 USDC

MERCHANT

0.997USDC

Pending

invoice INV-1024·USDC → USDC

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.

SECURE

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.

FAST

One signature, no transaction for the customer. Live FX from Arc's App Kit Swap — Circle's RFQ-backed maker network — settles sub-30s.

GLOBAL

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.

STEP 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: "...",
});
```
STEP 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);
```
STEP 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
```

Try the checkout demo →Live merchant demo

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.

Open dashboard →

Volume · last 30d

$1,284,309.42

+24.1% vs prev period

1d7d30dAll

Recent settlementsLive

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.

$npm install @arcora/sdk Read the docs

routes/checkout.tsTypeScript

1import { Arcora } from '@arcora/sdk';
2 
3const arcora = new Arcora({ apiKey: process.env.ARCORA_KEY });
4 
5// Create an invoice — customer pays in any stable, you settle in USDC
6const invoice = await arcora.invoices.create({
7  amount: { value: '49.00', currency: 'USD' },
8  settle: 'USDC',
9  metadata: { orderId: 'ord_8124' },
10});
11 
12return Response.redirect(invoice.checkoutUrl);

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.

v0.8Live

Permit2 + App Kit Swap

Customer-side gas-less Permit2 signature; Arcora relayer drives Circle's App Kit Swap on Arc; deterministic merchant payout. Live on Arc testnet.

v1.0Live

Hosted checkout & merchant dashboard

Invoice creation, hosted checkout page, SIWE auth, refunds, treasury view with 30-day charts, npm SDK, WooCommerce plugin.

v1.xNext

Compliance hooks (Elliptic / TRM)

Native screening adapters for sanctioned-wallet detection — pre-mainnet bar. Adapter pattern spec'd; rollout staged behind a config flip.

v2.0Next

Crosschain checkout via App Kit Bridge

Customer pays USDC from any chain App Kit supports — Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche, Linea — bridged through CCTPv2 to Arc settlement.

v2.1Planned

Pay with any token

Source-side DEX aggregation so customers pay in native ETH or any ERC-20 — Arcora handles the conversion before bridging.

v2.2Planned

Solana, beyond EVM

Same checkout shape, non-EVM wallet stack — App Kit's Solana adapter, Phantom, native CCTP routes.

v3.0Planned

One-signature intents

User signs a single intent; an Arcora solver executes the full route. The Stripe-like UX endgame.

v2.0NextIn design · No code yet

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.

Source chain · Customer walletSettlement on Arc

v1.xNext

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.

Tokens on Arc

USDC1.0000/USDlive
EURC1.0863/USDlive
USDT1.0001/USDv1.x
PYUSD1.0000/USDv1.x
DAI1.0003/USDv1.x
TRYC0.0291/USDlater

Rates shown are illustrative — only USDC and EURC have live oracles today.

v3.0Endgame

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. The Stripe-like UX, on stablecoin rails.

User signs:

intent · maxIn · deadline · recipient

Arcora solver runs:

swap → bridge → swap → settle

Merchant receives:

preferred-stablecoin on Arc · single InvoicePaid event

Ship a checkout this afternoon. Settle by morning.

Arc testnet is open. v1 is live; v2 is in design.

Try the checkout GitHub