AED/USDC: 0.2723
USDC/USD: 1.0000
AED/INR: 22.6540
AED/PKR: 75.8200
AED/PHP: 15.2100
Arc Gas: 0.00012
Live
⚡ Built on Circle Arc 🔒 USDC Native ✅ CBUAE Compliant 🤖 AI-Powered

The Stablecoin Commerce Layer for the UAE

Instant USDC settlement. AI-powered trade finance. Real-world asset tokenization. All on Circle's Arc blockchain.

$50B+
UAE Remittance Market
30%
Crypto Adoption UAE
51.3%
Stablecoin Share
<2s
Settlement on Arc
Platform

Four Tracks, One Platform

PayMesh unifies cross-border payments, trade finance, asset tokenization, and AI agent payments on a single USDC-native infrastructure.

🌍

Cross-Border Remittances

Send AED. Settle USDC globally in under 2 seconds. Real-time confirmation, transparent fees, and dedicated corridors to India, Pakistan, Philippines, UK, and beyond.

📋

SME Trade Finance

Stablecoin escrow for invoices and purchase orders. Smart contract letters of credit. Build an SME credit passport from onchain payment history — no bank required.

🏦

Real World Assets

Tokenized UAE bonds, sukuk, and REITs. Buy fractional ownership from $100. Automated yield distribution with embedded KYC/AML compliance powered by Circle.

🤖

AI Agent Economy

Autonomous AI agents that research, negotiate, and execute USDC payments on Arc. Pay-per-inference. Streaming micropayments. The first stablecoin-native agent commerce layer.

How It Works

Three Steps for Every Track

STEP 01

Connect Your Wallet

Link your Circle-compatible wallet or create a new PayMesh account with instant onboarding and embedded KYC.

STEP 02

Enter Amount & Destination

Choose from supported corridors — UAE to India, Pakistan, Philippines, UK. Get a firm USDC quote with transparent fees upfront.

STEP 03

Settled in <2 Seconds

Confirm once. USDC moves on Arc with deterministic finality. Recipient receives the equivalent in local currency or USDC instantly.

STEP 01

Create Invoice

Issue a smart invoice with payment terms, milestones, and USDC amount. Counterparty accepts onchain with a single signature.

STEP 02

Fund Smart Escrow

Buyer deposits USDC into a milestone-based smart escrow contract. Funds are visible onchain but locked until conditions are met.

STEP 03

Auto-Release on Milestone

When both parties confirm delivery (or oracle verifies), the escrow releases funds automatically. No delays, no disputes.

STEP 01

Browse Tokenized Assets

Explore a curated marketplace of UAE Treasury bonds, sovereign sukuk, and REITs — all tokenized and fractionalized to as low as $100.

STEP 02

Buy Tokens with USDC

Purchase asset tokens directly with USDC. Instant settlement on Arc with embedded KYC/AML verified in seconds via Circle's infrastructure.

STEP 03

Earn Yield Automatically

Yield is distributed directly to your wallet as USDC every distribution period. No manual claims. No lock-up penalties.

STEP 01

Create an Agent

Define your agent's purpose — FX hedging, recurring payments, trade negotiation — and fund its USDC wallet in one click.

STEP 02

Set Budget & Instructions

Configure spending limits, counterparty whitelists, and execution rules. Your agent operates within strict parameters you control.

STEP 03

Agent Executes Autonomously

Your agent researches best rates, negotiates terms, and executes USDC payments on Arc — completely autonomous, auditable, and reversible.

Why Arc

Built for Stablecoin Commerce

Circle's Arc blockchain is purpose-engineered for real-world payments. Here's why it matters.

Deterministic Finality

Every transaction confirms in under 2 seconds. No waiting, no uncertainty — finality you can build a business on.

💵

Dollar-Denominated Fees

Predictable USDC transaction costs. No ETH price volatility surprises. Plan your economics with certainty.

🔗

USDC Native

Built for stablecoins from the ground up. Not adapted — purpose-built. Every arc-second optimized for USDC flows.

🌐

Cross-Chain Ready

CCTP Bridge Kit enables seamless USDC movement across 8+ chains. Move liquidity where you need it, when you need it.

Regulatory Clarity Built In

The UAE has the world's first comprehensive stablecoin regulation. PayMesh is built to comply from day one — not retrofitted. Every feature, every smart contract, every transaction respects CBUAE frameworks.

CBUAE PTSR Compliant
Circle Regulated USDC
KYC/AML Embedded
UAE Personal Data Law
ISO 27001 Framework
On-Chain Audit Trail
$50B+
Annual UAE Remittances
$2T
Global Trade Finance Gap
7→60s
Letter of Credit Settlement Time
5,000+
DIFC VCs and Investors

Powered by Circle's Infrastructure

PayMesh is built on Circle's enterprise-grade stablecoin infrastructure — the same rails used by BlackRock, Coinbase, and global payment processors. From USDC issuance to CCTP cross-chain bridging to Arc's deterministic settlement, we leverage every layer.

Ready to Transform Your Commerce?

Join the stablecoin economy. Powered by Circle USDC on Arc. Built for the UAE. Built for you.

Get Started Free →