Welcome to Aruvi

Aruvi (அருவி - Tamil for waterfall) is a payment protocol for USDC built on Arc, Circle's Layer-1 blockchain for stablecoin finance. Send, request, batch, and subscribe - every payment settles with deterministic finality in under a second, and gas is paid in the same USDC you're sending.

Why Aruvi on Arc?

Traditional blockchain payments make you juggle two assets: the token you want to send, and a volatile gas token you're forced to hold. They also make you wait - confirmations, reorg risk, "pending" spinners.

Arc removes both problems at the chain level, and Aruvi builds a full payment experience on top:

⚡ Instant and final

Arc uses Malachite BFT consensus with sub-second deterministic finality. When your payment lands, it's final - no confirmations, no reorgs, no reversals by the network.

💵 One asset for everything

USDC is Arc's native gas token. Your USDC balance pays for transfers and fees. You never need ETH, and fees are typically around a cent.

💸 A complete payment toolkit

• Send - P2P payments in USDC or EURC with on-chain memos
• Aruvi Names - register an @name once and get paid at @yourname instead of a long address
• Request - shareable payment links and QR codes, with optional expiry
• Multi-Send - pay up to 100 recipients in one transaction
• Payroll - save your team once, then pay everyone with one click
• Subscriptions - recurring payments, push or pull
• Refunds - recipients can return any payment in full, in its original currency

USDC is the default settlement token and pays for gas; EURC is supported across Send, Request, and Refunds for euro-denominated payments.

🏪 For businesses

Accept USDC on your website with a few lines of code:

<script src="https://cdn.jsdelivr.net/npm/aruvi-arc/dist/aruvi-arc.min.js"></script>
<div id="pay-button"></div>
<script>
  Aruvi.init({ merchantAddress: '0xYourWallet', environment: 'testnet' });
  Aruvi.button('#pay-button', {
    amount: '49.99',
    description: 'Premium Plan',
    onSuccess: (result) => {
      // Payment settled - usually in under a second
    }
  });
</script>

Learn more about business integration →

How It Works (Simplified)

1. Connect a wallet - MetaMask, Rabby, Coinbase Wallet, or Rainbow
2. Get USDC on Arc - free from Circle's faucet, or bridge from Ethereum, Base, and more
3. Send - the payment settles before you can blink

No wrapping, no conversions, no gas-token shopping.

Network Information

Property	Value
Network	Arc Testnet (Circle's L1)
Chain ID	5042002
Token	USDC (native - also pays gas)
Finality	Deterministic, <1 second
RPC	https://rpc.testnet.arc.network
Explorer	testnet.arcscan.app
Faucet	faucet.circle.com

Use Cases

For Individuals

• Instant transfers: money moves like a message
• Split bills: multi-send to the whole group at once
• Allowances & rent: on-chain subscriptions

For Businesses

• E-commerce: checkout that settles in under a second, no chargebacks
• Subscriptions: recurring billing enforced by the contract
• Payroll: a saved team roster and one-click pay runs - any team size, paid in batches of 100
• Invoicing: payment requests with links and QR codes

Ready to start?

Head to the Quick Start Guide to make your first payment in under 5 minutes.

A note on privacy

Aruvi began as a confidential-payments protocol. Arc's opt-in privacy (the Arc Privacy Sector) is on Circle's roadmap but not live yet - Aruvi is architected so confidential execution can be added the moment it ships. See Privacy Roadmap.