ArcPay: Autonomous M2M Micro-Economies

Traditional blockchain networks with high gas fees make machine-to-machine (M2M) micro-transactions economically unviable. If an autonomous AI agent attempts to spend $0.50 for weather data API access but pays $2.00 in gas, the economic margin is severely negative (-400%), rendering the model useless. ArcPay solves this by combining Circle’s Developer-Controlled Wallets, the OpenRouter AI ecosystem, and the Arc Testnet to build a fully autonomous expense platform with strictly sub-cent (<$0.01) per-action execution costs. Users can set natural language constraints (e.g., "Daily cap of $50," "Auto-approve coffee," "Reject entertainment") for their agent. The AI evaluates every expense request securely and initiates real cryptographic transfers of USDC directly on-chain. To provide absolute economic proof of our margins and network viability, our platform features an x402-inspired high-throughput batch processor. This instantly fires 60 concurrent, fully-signed on-chain transactions directly from the dashboard—proving the exact sub-cent pricing and high transaction frequency necessary to make autonomous AI micro-economies a highly profitable reality.