ArcPay

ArcPay is an AI-assisted on-chain subscription and payment manager built on Arc, designed to manage stablecoin payments across multiple chains and real-world use cases. Users increasingly use USDC to pay for both crypto-native services and real-world subscriptions, such as rent, internet, SaaS tools, and digital content. These payments are often spread across different wallets, chains, and platforms, making them difficult to track and manage. ArcPay uses Arc as the settlement and coordination layer. Users deposit USDC to Arc, where subscriptions are defined on-chain with a payment amount, interval, and destination. This applies to crypto services (such as DeFi protocols or on-chain tools) as well as real-world style subscriptions like monthly rent, cloud services, and internet plans. Recurring payments are executed via x402 on Arc. For subscriptions that require settlement on other blockchains, ArcPay integrates Circle’s Cross-Chain Transfer Protocol (CCTP) to move USDC from Arc to the target chain before payment execution. The web dashboard provides a unified view of balances, active subscriptions, and payment history across chains and real-world subscriptions. An AI assistant helps users check their subscriptions, upcoming payments, and whether their balance is sufficient for the next billing cycle.