Mohamed Farah@depe

This project was born from direct, costly experience. My 2023 fintech startup processed over £2 million in remittances in a month, and our primary bottleneck for scaling wasn't our technology; it was the 1-3 day settlement delays and partner dependencies. Global B2B payments are a £17 trillion market defined by profound inefficiency. The £17 trillion 'Hurry Up & Wait' problem isn't just a statistic for us; it's a multi-million-pound barrier we've personally hit. Our solution, "Agent-Pay," is the tool I wish I'd had. It's an AI-powered agent built for the 'Payments for Real-World Assets' track. We empower an enterprise to use simple human language, like a voice command, to set complex, conditional payment rules. For example: "Pay our Japanese supplier the moment their goods are confirmed at port." The AI agent handles the entire execution. This is powered by our PaymentRouter.sol smart contract, which functions as a “conditional vault” deployed on the Arc Network. First, the payment (USDC) is transferred to this secure vault, where the funds are held in escrow. The contract is designed to interact only with Arc’s official USDC token, ensuring funds move only per the contract's conditions. The AI Agent operates off-chain, monitoring real-world data, such as a shipping confirmation. Once the condition is met, the agent triggers the backend to call the executePayment function. This is where the power of Arc is fully realised. The instant executePayment is called, Arc’s instant finality means the USDC is released from escrow to the supplier immediately. We haven't just sped up a payment. We have built the mechanism that turns a 5-day, high-risk, manual process into a 3-second, autonomous, and secure settlement.

Join the next edition of our flagship AI hackathon — now featuring Google, AppliedAI, and Qdrant as official partners, with over $45,500 in prizes and exclusive partner challenges. After an incredible launch earlier this year, we’re back with the next edition of our AI hackathon series leading up to the /function1 AI Conference & Exhibition in Dubai. Tap into the power of AI to innovate, build, and take your AI skills to the next level in this high-impact hybrid experience. 📅November 14–19, 2025 • Nov 14–18: Collaborate and build online with AI enthusiasts from around the world. All projects must be submitted by end of day on November 18 • Nov 18 (Dubai): An exclusive on-site build day at Festival Arena Dubai for selected participants. • Nov 19 (Dubai): Live on-stage pitching & winners announcement at the /function1 Conference. 🌟 Get support from expert mentors throughout. 👥 Go solo or team up. 📍 Please note: On-site participation is by invitation only. Travel and accommodation will not be covered for selected participants. Further details will be shared with those accepted. 🧑🏻‍💻 Secure your spot now—sign up before the Kick-Off Stream!

In this hybrid hackathon powered by Arc, developers will build the next generation of payment systems using AI + Arc with USDC. Explore a world where AI agents can understand natural language, automate financial actions, and move money with precision. From DeFi to digital content and real-world assets, this is your chance to shape the future of intelligent finance. 📅 October 27 – November 9, 2025 • Oct 27 – Nov 8 (Online Phase) – Collaborate and build with developers and AI innovators from around the world. All projects must be submitted by end of day on November 8. • Nov 8 (New York City – On-site Build Day) – Selected participants will be invited to an exclusive in-person session to refine their projects and connect directly. • Nov 9 (New York City – Live pitching & Awards) – Live pitching sessions to a panel of judges and investors, followed by the official winner announcement. 📍 On-site Venue (Nov 8–9): Babe Ruth Room, Jay Conference Chelsea 159 West 25th Street, New York City, USA 🧠 Get guidance from blockchain and AI experts throughout the event. 🤝 Go solo or team up — it's your flow. 🏆Compete for $10,000 in USDC prizes. 📍 On-site participation is by invitation only. Travel and accommodation expenses will not be covered. 🧑🏻‍💻 Secure your spot now — sign up before the Kick-Off Stream!