Money without borders, settled in stablecoins.
UnitPay is the stablecoin payments layer collapsing fragmented financial rails across Africa and cross-border trade into one platform — a self-custodied USDC wallet, on/off-ramp, and settlement infrastructure built on Arc.
The Problem
Moving money across borders is still stuck in the past
Fragmented rails
Businesses juggle separate bank accounts, card processors, and crypto exchanges just to move money across one corridor.
2–5 days
Typical settlement time for cross-border payouts through correspondent banking — capital sits idle in transit.
High cost
FX spreads and intermediary fees quietly erode margins on every cross-border invoice and payout.
Poor USDC access
On/off-ramping stablecoins in and out of fiat is still slow, manual, or unavailable for most African users.
The Solution
One platform, every rail
UnitPay collapses wallets, ramps, and cross-chain settlement into a single self-custodied product, built on Arc.
Self-Custodied Wallet
MPC-based wallet with no seed phrase — secured by PIN or Google login through Circle's User-Controlled Wallets. You always hold the keys.
Fiat↔ USDC On/Off-Ramp
Move between Fiat and USDC without routing through five different apps and bank transfers.
Gasless USDC Payments
Paymaster integration on Arc means gas is paid in USDC itself — no separate gas token to hold or manage.
Cross-Chain Transfers
Native USDC transfers across chains via Circle's CCTP — no wrapped assets, no bridge risk.
Gateway Infrastructure
Unified USDC balance across supported chains, aligned with Circle Gateway so funds work everywhere at once.
Powered by the UnitFlow ecosystem
UnitPay is one product in the UnitFlow Finance stack — more shared infrastructure across payments, liquidity, and credit is on the way.
Latest Platform Updates
More payment paths, fewer manual steps
UnitPay now connects P2P, Gateway, QR, pods, and virtual cards into a tighter operating surface for everyday stablecoin payments.
On-chain P2P marketplace
Buy or sell USDC with bank transfer, mobile money, gift cards, bill payments, and other local settlement methods.
Reusable payout details
Save multiple payout accounts per payment method and auto-attach the right one when selling USDC.
Virtual Mastercard controls
Create cards, fund from Gateway balance, freeze spending, copy masked details, and prepare cards for AI-agent policies.
Universal QR flow
Scan with camera or upload QR images for wallet IDs, payment links, pods, profiles, and P2P offers.
Collaborative pods
Pool contributions toward shared expenses, donations, purchases, or payment-link funding goals.
Gateway-first settlement
Use unified Gateway balances, cross-chain deposits, and linked payment workflows from one dashboard.
Built for Builders
Plug UnitPay into your business
Accept and send USDC payments from your own product with a few lines of code. Whether you're a fintech, marketplace, or payroll platform — UnitPay's API gives you the same rails powering the wallet.
- REST API + SDKs for wallets, transfers, and settlement
- Webhooks for real-time payment status
- Sandbox on Arc Testnet — no production keys required to start
import { UnitPay } from "@unitpay/sdk";
const unitpay = new UnitPay({ apiKey: process.env.UNITPAY_KEY });
const payment = await unitpay.payments.create({
amount: "250.00",
currency: "USDC",
chain: "arc",
destination: merchant.walletAddress,
});
// Gasless, settled in seconds.
console.log(payment.status); // "confirmed"Coming Soon
What's next for UnitPay
Expanded fiat corridors
On/off-ramp support beyond just one! — more African currencies, more local rails.
More banking rails
Direct bank transfer and card integrations layered on top of existing ramps.
More chains
Broader CCTP and Gateway coverage as Circle adds support for new networks.
Merchant tools
Invoicing, recurring payments, and settlement reporting for businesses.
Long-Term Vision
One platform for every rail money moves on
UnitPay's mission is to collapse fragmented financial workflows by giving businesses and users access to multiple payment rails, blockchain networks, fiat corridors, and banking infrastructure — through a single platform.