Payments

“Send ₦5,000 to @ada” or “send $20 to @ada”. Naira between Arcle users settles instantly inside Arcle. Before you approve, you see the name on their account so you know you're paying the right person — and that name is all you see. Their account number and wallet stay private.

Give the account number and the bank. Account numbers are only unique within a bank — the same number exists at several banks, owned by different people — so Arcle always asks which bank, and never assumes one.

Arcle can't confirm the name on an outside bank account before you send, and says so on the confirmation, so double-check the number with the person you're paying. Sending to an outside bank needs your own naira account activated (how).

Send USDC to any wallet address or Arcle user worldwide, in seconds. You can also move dollars to another network (“bridge”) when someone needs them there.

“Pay Alice ₦20k, Bob ₦15k and Chi ₦18k” — one review, one approval. For staff, see Autopay & Payroll.

Move between naira and dollars at the live rate — Arcle shows the rate before you confirm. If a live rate isn't available, Arcle won't convert rather than use a stale one.

Ask “show my account details”. Share whichever suits the sender.

“Create a payment link for ₦15,000” gives you a link anyone can open and pay — they don't need Arcle. A link is marked paid only when the money has actually arrived, never just because someone clicked “I've paid”. Need a numbered bill with a due date you can chase? That's an invoice — see For Businesses.

“Request ₦5,000 from @fredy” puts an Accept / Decline card in their Arcle chat.

“Split ₦12,000 four ways” — a payment link for each person, and Arcle tracks who has paid.

Send a claim link: the money is held safely until they claim it. Claiming needs a 6-digit code sent to the email you addressed it to, so a forwarded link alone can't be cashed by someone else.