Settle cross-border payment obligations in seconds, not banking days.
PayBridge connects local payment collection, automatic USDC settlement on Arc, reconciliation, and regulated local payout partners in one institutional settlement platform.
Genuine Arc Testnet USDC settlement · Automatic by default
Settlement overview
PB-2026-0841
Sender pays
18.36 AED
Simulated AED edge
Receiver gets
≈ 610 BDT
Simulated BDT edge
Designed for institutions moving value across borders
One operating layer between fiat rails and digital settlement.
PayBridge coordinates the full transaction lifecycle while keeping every customer-facing balance in familiar fiat currencies.
Collect
Record a transparent AED payment obligation through a simple customer experience.
Settle
Send genuine testnet USDC from the customer's Circle wallet to the destination institution on Arc.
Pay out
Orchestrate a clearly labelled simulated BDT payout while preserving separate proof and status.
Operate every settlement from one clear interface.
Customer-funded transfers, obligations, payout readiness, reconciliation, and exceptions stay visible without exposing blockchain complexity to customers.
Customer transfers
Example
Arc TestnetQuoted AED payments
141.07 AED
Simulated fiatSettlement batches
18
IllustrativeRecent settlements
View all →The settlement path, shown without the jargon.
The sender sees AED and the receiver sees BDT. PayBridge coordinates each institutional step between those two moments.
UAE collection
Demo AED obligation
Payment instruction
Records corridor amounts
Arc network
Moves customer USDC
BD partner
Demo payout instruction
Recipient payout
Demo BDT completion
What Circle and Arc do: provide the programmable wallet and settlement layer. They do not directly create BDT or send money to a local wallet; regulated collection, FX, and payout partners complete those edges.
Built for real operations, not just a wallet demo.
The product is designed as settlement orchestration that can connect regulated collection, conversion, and payout providers.
Customer-funded settlement
Accepted payments move Arc Testnet USDC directly from the customer's Circle wallet to the configured partner wallet.
End-to-end traceability
Reference IDs, wallet activity, status changes, and payout confirmation stay connected in one record.
Partner-ready orchestration
Collection, settlement, FX, and payout steps stay modular so regulated providers can be added cleanly.
Controlled demo risk
The competition faucet is isolated from payments, while transfer evidence and reconciliation controls keep the demo dependable.
A commercial foundation with a competition-ready demo.
The current demo proves the settlement engine with testnet value. Production adds regulated fiat partners at both edges.
Competition demo
Real settlement logic
Production rollout
Regulated fiat edges
Build the next settlement rail
for global businesses.
See the AED-to-BDT flow working end to end.