Live on Arc · Wallets secured by Circle
SaphraONE is the account for USDC and EURC. Pay anyone by their ONE ID, save toward your goals, earn on idle balances and run your business, settled in under a second for a fraction of a cent.
The stablecoin payment layer
Arc TestnetExchange USDC and EURC on Arc Testnet with Circle-powered routes.
You pay
1.00
USDCYou receive
0.8592
EURCSwap, send, or request
Built on trusted infrastructure
<1s
to settle a payment
<$0.01
typical network fee
24/7
open every day of the year
9
languages, one account
ONE ID
Claim yourname.one once and it's yours. People pay it, request from it and find you by it, from Lagos to London, with no account numbers or long wallet addresses.
The platform
Everything you do with money, in one place: from coffee with a friend to payroll for your whole team.
Send in seconds to any ONE ID or wallet, on Arc or six other networks.
Put money aside with purpose, and let idle balances work for you.
Circles turn a group chat into a shared wallet for friends, family and clubs.
Your financial assistant.
Free to start. Every payment waits for your confirmation — sample figures shown.
In action
Send a payment, run a group, or put money on a schedule. Same wallet. Same USDC and EURC.
Pay
Send USDC or EURC in a few taps. Recipients resolve from a ONE ID or a wallet, fees stay visible, and Arc confirms before the next breath.
Circle
Circle turns a group into a money room. Split, request, and save together while chat stays in the same place as the funds.
RecurePay
Turn a payment into a schedule. Set frequency, start time, and end time, then manage every run from RecurePay.
Transform your organization's financial operations. Manage corporate treasury, disburse automated batch payroll, generate branded invoices, and track live cash flow—all powered by non-custodial Circle smart accounts and sub-second Arc settlement.
Corporate Treasury Active · 4 Workspace Members
Total Business Balance
+8.4%$128,450.00USDC
120,000.00
93.4% of treasury
7,800.00
≈ $8,450 (6.6%)
Real-time indexed on-chain inflows & disbursements
Acme Web3 Labs
INV-2026-08 · Arc instant settlement
+$12,500.00 USDC
Just now
Engineered for Enterprise
Built from the ground up for modern businesses, Web3 protocols, global agencies, and high-volume teams.
Real-time treasury overview with multi-asset tracking in USDC & EURC on Arc Testnet, automated liquidity segregation, and live asset valuation.
Disburse team salaries and contractor payouts in a single batch transaction. Manage recipients, preview disbursements, and execute repeat payrolls in seconds.
Issue professional cryptographic invoices in USDC or EURC with your business branding, shareable payment links, QR codes, and instant reconciliation.
Interactive dual-trend cash flow tracking with 7D, 30D, and 90D intervals. Monitor incoming receivables, outgoing liabilities, and net cash position.
Upload CSV rosters and execute bulk payouts to up to 500 recipients in a single on-chain transaction with sub-second Arc finality and sub-cent fees.
Four-pillar automated health assessment covering Cash Position, Payment Activity, Invoice Collection, and Obligations with immutable ArcScan audit trails.
Traditional commercial banking and card networks were built decades ago for domestic fiat. SaphraONE Business offers the instant finality, security, and low fees of stablecoins combined with the financial clarity, auditability, and structure modern teams require.
Powered by Circle Programmable Smart Wallets. Your organization holds full cryptographic ownership. No bank run risk, no frozen accounts, and no single point of failure.
Slash payment acceptance and operational overhead by up to 90%. Gas is paid directly in stablecoins on Arc with predictable, sub-cent execution.
Every transaction is cryptographically signed and finalized in under a second on Arc. Eliminate costly chargebacks, friendly fraud, and disputed card reversals.
Every transfer, payroll disbursement, and invoice receipt produces immutable on-chain records with cryptographic proof ready for GAAP/IFRS accounting integration.
| Metric / Capability | Traditional Banking & Cards | SaphraONE Business |
|---|---|---|
| Settlement Speed | 3 - 5 business days (ACH / SWIFT wires) | Sub-second (<1s) instant finality on Arc |
| Processing Fees | 2.9% + $0.30 per payment + wire fees ($25-$50) | From 0.01 per payment, never more than 5 USDC, with sub-cent gas |
| Custody & Control | Centralized banks & processors can freeze accounts | Self-sovereign Circle Programmable Smart Wallets |
| Global Payroll | Multiple FX conversions, correspondent bank delays | Single-click batch payout to 500 global wallets in USDC |
| Dispute & Chargeback Risk | High chargeback fraud & 90-day reversal windows | Zero chargebacks; immutable cryptographic settlement |
SaphraONE Checkout API
Add a “Pay with USDC” button to any store, app or platform. Your server creates a checkout session, buyers pay on a hosted page with the method they prefer, and the money settles to your business wallet on Arc in under a second.
curl https://sandbox.api.saphra.one/v1/checkout/sessions \
-H "Authorization: Bearer sk_test_…" \
-H "Content-Type: application/json" \
-d '{
"amount": "25.00",
"currency": "USDC",
"success_url": "https://shop.example/thanks"
}'"status": "open", "url": "…/checkout/cs_…"One POST from your server returns a hosted, mobile-ready payment page.
SaphraONE accounts, Arc wallets, card or bank, and USDC from six other chains.
USDC lands in your business wallet, final in under a second. No payout wait.
No processing fee and no chargebacks. Non-custodial from end to end.
Security
SaphraONE protects your account, every payment and your data with layered controls, and everything that settles is publicly verifiable on Arc.
01Account protection
Every payment confirmed with PIN or Face ID
No money moves until you confirm with your PIN, Face ID / fingerprint or an authenticator code. Repeated wrong attempts pause payments.
Two-factor authentication
Add an authenticator app for time-based codes, with single-use backup codes if you lose your phone.
Sign-in alerts
Every new sign-in sends you an email with the browser, approximate location and time, so anything unusual stands out.
02Payment protection
ALLIE spending guardrails
ALLIE's Agent Wallet works inside the daily limit you set, asks before anything above your threshold, and can be paused or revoked instantly.
Non-custodial
Your funds are never held by SaphraONE. Every transaction is signed by your wallet and settled directly on Arc.
03Transparency
Public, final settlement
Every payment settles on Arc with a transaction hash and a receipt anyone can check on ArcScan.
Verified contracts
Smart contract source code is published on ArcScan. You can verify what the contract does before approving any transaction.
View on ArcScanTestnet, no real funds. SaphraONE currently runs on Arc Testnet. No real funds are at risk. A mainnet deployment will be announced separately.
Get started
No paperwork and no crypto know-how needed. If you can send a text, you can use SaphraONE.
Sign up with Google or your email. Your wallet is created for you and secured by Circle.
Receive from anyone, move USDC over from another network, or top up from your bank where available.
Send in seconds, put money aside, invite friends and collect ONE Points as you go.
FAQ
Everything you need to know before you start.
Join SaphraONE
Open your account in under a minute and send your first payment today.