Agent on ARC The Future is Prompt-Driven Architect

PEPS-Pay is the first Ethical Settlement Agent designed to solve the trust deficit in Real World Asset (RWA) Payments on the ARC Layer 2 network. The core idea was conceived by Jose Mauricio Bolaños, a Entry level prompter with no traditional coding experience, who identified the "Ethical Failure" inherent in standard escrows. His focus was designing a solution to ensure absolute user protection and resilience. The prototype was developed using Prompt-Driven Architecture. Ekita (AI programmer created in Gemini), was responsible for the technical execution: translating Jose Mauricio's ethical and functional requirements into a working full-stack codebase (Solidity, JS, HTML). Key Features: Total Ethical Protection: Includes a portable 'Cancel/Refund' Switch that allows the client to immediately trigger a refund, guaranteeing zero risk of fraud or service failure. Exponential Resilience: The Agent logic ensures Finality, using exponential retries to guarantee that the funds are either settled or refunded, preventing stuck funds on the network. PEPS-Pay demonstrates that Advanced Prompt Engineering empowers non-programmers to create production-level, complex smart contract architectures in hours, not weeks.