A flat 0.15% protocol fee on payments processed. No monthly fees for the UI tools. Pay only for what you use — all settled in USDC on-chain.
ArcFX is one product — there's no signup or plan to choose. The tiers below describe how fees apply at different usage levels. The 0.15% fee is added on top of the payment on-chain the moment a payment is sent, so the recipient always receives the full amount.
Free forever
$0/month
For individuals and small teams getting started with stablecoin payments on Arc.
See exactly what you pay. The 0.15% fee only applies to payments — swaps, bridges, and history are always free.
You send
USDC
→
Fee (0.15%, paid by sender)
1.50 USDC
You pay 1001.50 USDC · recipient receives the full amount
How ArcFX compares
Provider
Fee on $10,000 USDC
Settlement time
Reversible
24/7
ArcFX
$15.00 (0.15%)
< 1 second
No (final)
Yes
Bank wire
$25–$50 flat
1–5 business days
Possible
No
Wise
$41 (~0.41%)
1–2 business days
Limited
No
Revolut Business
$50+ (0.5%)
Instant (limits apply)
Limited
Yes
PayPal
$350 (3.5%)
Instant
Yes
Yes
Frequently asked questions
When is the fee charged?
Only when a payment is executed through the ArcFXPayments smart contract — i.e. when someone pays a Pay Link or Invoice. Swaps, bridges, and history are completely free. Multisend up to 5 recipients is also free.
How is the fee collected?
Automatically on-chain. The fee is added on top of the payment amount, so the recipient receives the full amount they were sent and the 0.15% is routed to the ArcFX treasury wallet in the same transaction. No invoicing, no manual billing.
Is there a minimum payment size?
No minimum. The 0.15% fee applies to any amount. On very small payments (under $0.67), the fee rounds to zero due to USDC's 6-decimal precision.
Does ArcFX hold my funds?
Never. ArcFX is entirely non-custodial. All transactions go directly wallet-to-wallet through smart contracts. ArcFX has no ability to freeze, pause, or access your funds at any point.
What tokens does ArcFX support?
USDC and EURC on Arc Testnet. Both are native Circle stablecoins — not wrapped versions. Mainnet support launches when Arc Mainnet goes live (Summer 2026).
When does API access launch?
The $99/month API tier is in development. Early access subscribers will be first in line. Email arcfxapp@gmail.com to join the waitlist.
Ready to start?
No account needed. Connect your wallet and start in under a minute.