Shi Jie Yu@sj_yu166

WinterArc is a mobile payment solution in the form of a Telegram chatbot that prioritizes simplicity and ease of use. Built on the Arc blockchain, WinterArc enables cross-border micropayments with low fees and instant finality, two aspects that remain a luxury in many parts of the world where barrier to entry to traditional financial services is simply too high. Besides catering to the historically unbanked and underbanked, WinterArc also enables merchants in developing nations to accept payments instantaneously and with a much lower fees compared to relying on existing credit card intermediaries, which charge any where between 3-5%. Therefore, WinterArc has the potential for merchants in developing nations to retain significantly greater profits, which compounded will have a positive impact on the economy. It is extremely easy to get started with WinterArc. Simply by virtue of having a Telegram account, users would already have an embedded wallet created for them. Users can then use a series of commands to send payments, request for payments, or even generate their own QR codes to accept payments. In addition, powerful AI agents built into the system enable users to interact with WinterArc using natural language. This opens the doors to even more opportunities, especially when it comes to users speaking low-resource languages. WinterArc is easy to use, readily accessible, and most importantly, costs fractions of a dollar in fees and takes seconds to finalize. It is the payment solution that best serves the unbanked and the underbanked, and ultimately removes them from the decades of injustice by traditional finance.

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!