Conduit Documentation
Everything you need to send and receive USDC on Arc Network. No bank account. No KYC. No complicated setup.
What is Conduit?
Conduit is a payments infrastructure built on Arc Network, powered by Circle USDC. It lets anyone send and receive digital dollars instantly — without a bank account, without KYC, and without complicated setup.
Conduit is built to let you:
Example: You create a link → someone pays → you receive USDC instantly. That's it.
Conduit is designed to be a universal payment layer for people, businesses, developers, and autonomous AI systems — live at conduitpay.xyz.
Who Is Conduit For?
Freelancers & creators
Get paid in USDC without sharing your wallet address. Create a link, share it, receive instantly.
Businesses
Collect payments with escrow protection. Funds are held securely until delivery is confirmed.
Developers
Monetize any API with one line of code. AI agents pay automatically per request in USDC.
Anyone, anywhere
No bank account needed. No KYC. Works in any country. Sign up with just an email address.
Why Does Conduit Exist?
Modern crypto payment systems suffer from four fundamental problems:
1. Identity Exposure
On public blockchains, wallet addresses are permanent public identifiers. Anyone who interacts with you can trace your entire transaction history, analyze your balances, and link payments together — a total loss of financial privacy.
2. Complexity Barrier
To receive crypto payments today, users must understand wallets, seed phrases, gas fees, network selection, and token bridges. Most people give up before they receive their first payment.
3. Fragmented Infrastructure
Payments are split across multiple chains, wallets, bridges, and standards. This leads to failed transactions, confusion, and user errors — and in many cases, permanently lost funds.
4. Lack of Native Internet Payments
There is no standard way for APIs, software, and AI agents to accept payments per request in a native, automated way. Every existing solution requires subscriptions, API keys, and human interaction.
Conduit's Solution
Conduit solves all four problems with four core primitives:
Payment Abstraction
Users never interact with wallet addresses directly. Instead they use payment links, @usernames, and checkout flows. The wallet is handled invisibly in the background.
Privacy Layer — Stealth Architecture
Payments route through temporary intermediary wallets. The sender never sees your real address. On-chain history cannot be linked back to you. Optional — toggle per link.
Cross-Chain Settlement Layer
Through Circle's CCTP V2, a payer can send from Ethereum, Base, Arbitrum, or Polygon while you always receive in USDC on Arc. No bridging required on either side.
Programmable Payment Layer — x402
APIs return a 402 Payment Required response. AI agents pay automatically in USDC. Every API call becomes a monetized transaction with no accounts or subscriptions.
Payment Links
A payment link is a shareable URL that lets anyone pay you USDC instantly. No wallet address sharing. No network selection. One link, one click, done.
Create a link
Go to conduitpay.xyz, click Create Link. Set a title, amount in USDC, and optional description.
Share it
Copy the link and share it anywhere — DM, email, invoice, social media.
Payer clicks and pays
The payer opens the link, connects their wallet, and confirms the payment. No account needed.
You receive USDC
Funds land in your wallet in under half a second. You get an email notification if you've added your email.
One-time use
Each link can only be paid once. No double payments, no accidental duplicates.
Optional expiry
Set an expiry date on any link. It automatically becomes inactive after that date.
Works from any chain
The payer can be on Ethereum, Base, Arbitrum, or Polygon. You always receive on Arc.
0.5% fee
Conduit takes 0.5% per payment — the lowest in the space. No other hidden charges.
Stealth Mode
Stealth mode is an optional privacy toggle on every payment link. When enabled, your real wallet address is never exposed to payers or visible on the blockchain.
When stealth mode is ON:
Stealth mode is optional. Toggle it per link — not all or nothing. If privacy isn't a concern, leave it off and payments go directly to your wallet.
Why does privacy matter? On a public blockchain, your wallet address is like a bank account number anyone can search. If you share it with every client, they can see your full transaction history and balance. Stealth mode solves that.
Multi-Chain Payments
Conduit uses Circle's CCTP V2 to accept payments from any supported blockchain. The payer doesn't need to be on Arc — they can pay from wherever they are.
Neither the payer nor the receiver needs to know or care about network selection. Conduit handles the routing entirely.
Escrow
Escrow protects both buyer and seller in a peer-to-peer transaction. The buyer locks USDC before anything is delivered. Funds are held securely until the buyer confirms receipt — then released instantly to the seller.
All escrow funds are held in a Circle Developer-Controlled Wallet — a secure MPC wallet managed by Circle's infrastructure. No private keys are stored in Conduit's database. No one can steal the funds, even if Conduit is compromised.
Seller creates the escrow link
Sets title, description, amount, and delivery window (e.g. 7 days). Shares the link with the buyer.
Buyer pays
Buyer opens the link and pays. USDC is locked in a Circle wallet. Status becomes HOLDING.
Seller delivers
Seller completes the work or delivers the goods within the agreed window.
Buyer confirms receipt
Buyer logs in and clicks Confirm Receipt. Funds release instantly to the seller.
Auto-release
If the buyer doesn't confirm or dispute within 7 days after delivery, funds auto-release to the seller.
Escrow statuses
Disputes
If something goes wrong, the buyer can raise a dispute before confirming. Both parties have 48 hours to submit evidence in a mediation thread.
AI Dispute Agent
Conduit uses an AI mediator powered by Google Gemini 2.0 Flash to automatically resolve escrow disputes. When a dispute is escalated, the AI reads the full evidence thread and issues a binding verdict.
RELEASE
Funds go to seller. Triggered when seller provided convincing delivery evidence or buyer's claim is unsubstantiated.
REFUND
Funds go to buyer. Triggered when seller failed to deliver, ignored the dispute, or has no evidence.
UNCERTAIN
Human review needed. Triggered when evidence is genuinely ambiguous or both sides have valid claims.
Auto-execution
If confidence is 80% or above, the verdict executes automatically via Circle wallet. No human needed.
The AI evaluates only the content of the dispute thread — not wallet identities. Decisions are consistent, evidence-based, and instant.
Seedless Wallets
You don't need MetaMask or a seed phrase to use Conduit. Sign up with your email, Google account, or a passkey — and a wallet is created for you automatically.
Email signup
Enter your email, verify it, and your Arc wallet is ready. No downloads, no extensions.
Google login
Sign in with Google in one click. Your wallet is created and linked to your Google account.
Passkey
Use Face ID, Touch ID, or your device PIN as your login. Most secure option.
MetaMask support
Already have a wallet? Connect MetaMask or any injected wallet instead.
Seedless wallets are powered by Privy, a professional wallet infrastructure provider. Your wallet is non-custodial — Conduit never holds your funds or keys.
Username Payments
Claim a @username and get a personal payment page at conduitpay.xyz/u/yourname. Share your username instead of a wallet address.
Go to Profile
Click Account → Profile in the navigation. Connect your wallet or sign in first.
Claim your username
Enter a username (letters, numbers, underscores only, 3–20 characters). Sign to verify ownership.
Share your page
Your pay page is live at conduitpay.xyz/u/yourname. Share it anywhere instead of your wallet address.
Receive payments
Anyone can visit your page and pay you directly. Funds go straight to your wallet.
Email Notifications
Add your email in your profile settings to receive automatic notifications for every payment event.
Go to Account → Profile and add your email to activate notifications. Emails are sent from noreply@conduitpay.xyz.
x402 & Marketplace
x402 is a payment protocol for the internet. It lets any API charge USDC per request automatically. AI agents pay without human involvement. Browsers get a pay page.
Conduit is the first public x402 facilitator on Arc Network. Any developer can use it with one line of code.
Try it now: Visit conduitpay.xyz/api/arc-stats in your browser. Pay 0.001 USDC. Get live Arc Network data back instantly.
The API Marketplace
Developers list their x402-gated APIs on the Conduit Marketplace. AI agents and humans browse, pay per request, and get data back automatically.
Getting Started
Go to conduitpay.xyz
Open the app in your browser. No download required.
Connect or create a wallet
Sign in with email, Google, or passkey — or connect MetaMask if you already have a wallet.
Get testnet USDC
Go to faucet.circle.com, select Arc Testnet, and paste your wallet address. Free USDC arrives in under a minute.
Create a payment link
Click Create Link, set a title and amount, and share the URL with anyone.
Add your email
Go to Account → Profile and add your email to receive payment notifications.
Claim your username
Set a @username in your profile to get a personal pay page at conduitpay.xyz/u/yourname.
FAQ
Is Conduit custodial? Does it hold my funds?
No. Conduit never holds your funds. Payment links go directly to your wallet. Escrow funds are held in Circle Developer-Controlled Wallets — not Conduit's servers.
What is USDC?
USDC is a digital dollar issued by Circle. 1 USDC = $1 USD, always. It's a stablecoin — it doesn't go up or down in price like Bitcoin.
What is Arc Network?
Arc is a new blockchain built by Circle specifically for USDC payments. Transactions settle in half a second and cost almost nothing. Conduit is built natively on Arc.
Do I need MetaMask?
No. Conduit supports seedless wallets — sign up with email, Google, or passkey. No MetaMask, no seed phrase required.
What chains can payers use?
Payers can send from Ethereum, Base, Arbitrum, Optimism, Polygon, or Avalanche. You always receive in USDC on Arc regardless of where they send from.
What is the fee?
Conduit charges 0.5% per payment. This is deducted automatically. There are no other fees, no subscriptions, no hidden charges.
What happens if a payment link expires unpaid?
It becomes inactive automatically. You can create a new link at any time.
Is Conduit live on mainnet?
Conduit is currently live on Arc Testnet. Mainnet launch is planned for when Arc Network goes live. All testnet transactions use free testnet USDC.
Ready to get started?
Create your first payment link in under a minute.