Payments
Send and receive money to anyone, anywhere. Payments settle in seconds and you get live confirmation.
Send Money
Send digital currency globally or local currency within your country. Use a wallet address, an Arcle username, a phone number, or scan a QR code. For digital currency payments, you approve with your passkey. For local payments, your PIN is all you need.
Receive Money
Share your wallet address, your Arcle username, or a payment link. Anyone can send to you — even if they don't have an Arcle account (via payment links or drops).
Payment Links
Generate a shareable link for any amount. Send it via message, email, or social media. The recipient opens the link and pays instantly — no app required on their end. Business payment links can be branded with your business name and logo.
Split Bill
Divide an amount equally among a group. Arcle generates individual payment links for each person and tracks who has paid. Perfect for group dinners, shared expenses, or collective contributions.
Withdraw to Bank
Cash out your digital currency or local balance to your bank account. Arcle handles the conversion and transfer. Supported in countries where local rails are active.
Settlement
Merchants can request settlement payouts — moving their accumulated balance to their bank account or preferred wallet. Useful for businesses that process payments through Arcle.
Cross-Chain Bridge
Move your digital currency between supported networks. Useful for accessing different ecosystems or taking advantage of network speeds and costs.
Batch Payments
Send money to multiple people at once. Define each recipient and amount, review the full batch, then approve with a single passkey confirmation. All payments execute together.
Transaction history
Every payment is recorded. You can view your full transaction history, filter by type or date, and export records. Each transaction shows status, amount, recipient, and a reference.
Spending insights
Arcle analyzes your transaction patterns to provide insights — spending by category, monthly comparisons, income vs expenses, and cash flow forecasts. You can ask for reports at any time.