Arc Pay Agent

A quick look at @ArcPayAgent 's runtime flow: User input starts in Telegram, moves through the orchestrator for routing and state handling, then reaches the LLM layer where the right tool or action path is selected.

When IShowSpeed visited Nigeria earlier this year, he didn’t reach for a card or cash to buy diamond earrings. He paid ₦2.3M (about $1,500) with a stablecoin. That moment is more than just a viral highlight If a global streamer with over 50 million YouTube subscribers chooses the convenience of crypto for a high-value purchase, it reinforces a growing reality. Real-time, borderless payment solutions are no longer niche. They are becoming the preferred method for cross-border transactions. What makes this even more compelling is how it happened; IShowSpeed didn’t go out of his way to find a crypto-friendly store. He simply walked in, and when it was time to pay, the seller accepted stablecoins. That level of organic adoption points to something bigger. The infrastructure for crypto payments is quietly becoming part of everyday commerce. And the data backs it up; Nigeria ranks first globally in USDT and USDC holders, with 48% of crypto users holding USDC. This level of adoption highlights how deeply stablecoins are already embedded in real-world financial activity, especially in markets where efficient cross-border payments are essential. Cross-border payments are shifting toward real-time, blockchain-based systems where speed, cost-efficiency, and accessibility matter more than traditional fiat limitations. This is exactly the future @Arc and @Circle are built for. As a Layer 1 blockchain focused on stablecoin finance, Arc introduces features that directly address real-world payment needs: ▫️USDC as native gas → No need to hold volatile tokens just to pay transaction fees. Users can transact seamlessly using stablecoins end-to-end. ▫️Instant finality → With sub-second settlement, ARC enables payments that are faster and more efficient than many traditional systems. ▫️Opt-in privacy → Privacy remains a key concern in crypto adoption. ARC allows selectively shielded balances and transactions, giving users and businesses control over visibility. ▫️Low cost → Transaction fees are typically under $0.01, making payments nearly negligible whether you're processing many transactions or moving large sums. These features are not just theoretical. Real products are already being built on ARC with one clear goal: making stablecoin payments seamless and practical for everyday use. While ARC is not built solely for payments, it is positioning itself as a key driver of stablecoin adoption. Here are a few payment solutions being shipped on Arc : @Hurupayapp → A cross-border payment platform that allows users to send, receive, and manage money globally with ease, powered by stablecoin infrastructure. @Koshmoney → A global financial account designed for freelancers, entrepreneurs, and businesses. It offers USD accounts, global cards, and seamless stablecoin payment capabilities, bridging local and international finance. @Peerxyz → An onchain protocol enabling trustless and permissionless on/off-ramping between fiat and stablecoins. It removes reliance on centralized intermediaries and simplifies how users move between traditional money and crypto. @FlipeetPay → A multi-functional payments platform that brings stablecoins into everyday use. Users can swap USDC to 30+ local currencies, send money to bank accounts, pay for airtime, electricity and data, and even invest in tokenized stocks. @ArcPayAgent → Built on the ARC public testnet, Arc Pay Agent is a payment and invoice assistant designed to simplify transactions, automate billing, and streamline financial workflows. @Lyzi_app → A global crypto and stablecoin payment infrastructure provider that enables multi-wallet orchestration, connecting exchanges, wallets, payment service providers, and merchants into one seamless network. What we’re witnessing is the early stage of a fundamental shift in how money moves. Stablecoins are bridging gaps that traditional systems have struggled with for decades. In many ways, Nigeria represents the forefront of this transition. High adoption, real usage, and everyday utility are already visible. As the rest of the world catches up, the importance of seamless, reliable payment infrastructure will only increase. ARC is building with that future in mind. To stay updated, follow @Arc , @samconnerone , @bobbilee Let's Build 💪🏻

@ArcPayAgent is live on arc testnet. thanks to @arc, @samconnerone, and @silencexlm for their support and for making this possible.

@ArcPayAgent is live on arc testnet. thanks to @arc, @samconnerone, and @silencexlm for their support and for making this possible. talk to it in natural language, it moves usdc/eurc on @arc testnet. reads invoices, sets recurring payments, watches your wallet.

Here you see a full-time live test of Codex Agent; we're connecting to the agent live to find and fix bugs. I'm getting tremendous results from improving @ArcPayAgent, especially using Circle Skills!