Pay

The Pay page is where you send USDC to a Confluence ID like @alice, share your own ID to get paid, and keep track of payments. Open it from Pay in the app header. It has four tabs: Send, Receive, Activity and Saved.

Money sent through Pay always lands on Arc, in the wallet the ID belongs to.

Send

1. Type the recipient’s ID in To. You can type it with or without the @, in any case: @Alice and alice are the same ID.
2. Confluence checks the ID as you type and shows the wallet it belongs to, with a Claimed ID badge. If no one has claimed it, you can’t continue.
3. Choose where you pay From: Arc, or another supported chain.
4. Enter the amount, and add a note if you like.
5. Select Review payment, check the details, and confirm in your wallet.

Paying from Arc: free

A payment from Arc to an ID is free: Confluence charges no fee. It’s a single USDC transfer, straight from your wallet to the recipient’s, so your wallet asks you to confirm once. You only pay Arc’s network fee, which is paid in USDC.

Max fills in your whole Arc balance, minus a small reserve of 0.05 USDC to cover that network fee.

Paying from another chain

You can also pay from any chain the Bridge supports. The payment is a CCTP bridge to Arc, with the recipient’s wallet as the destination. Circle’s Forwarding Service delivers the USDC straight to them on Arc, so they don’t need to do anything.

It works like a bridge: choose Fast or Standard, check the quote, and confirm the approval and the burn in your wallet. The bridge fee applies, and Circle’s fees are shown on the quote.

Safety checks

• First payment to an ID: the first time you pay an ID, Pay reminds you to confirm it with the person before you send.
• Look-alike IDs: if the ID looks like one you’ve paid or saved before (for example @a1ice instead of @alice), Pay warns you that it’s a different ID. Scammers sometimes claim look-alike names. These are warnings, not blocks: you decide whether to continue. The one thing Pay won’t do is send to your own ID.

Notes

A note (up to 140 characters) travels with the payment. Only you and the person you pay can see it, in your Activity. It’s never shown on the public transaction page. Notes are plain text, so don’t put anything sensitive in them.

Receive

Once you’ve claimed an ID, the Receive tab gives you everything you need to get paid:

• Your pay link, like app.confluencebuild.xyz/pay/@alice. Anyone who opens it lands on the Pay page with your ID already filled in.
• A QR code of the same link, which you can download as an image.
• Copy, Share (on devices that support it) and Email buttons to send your link.

People can pay your link from Arc or from any supported chain. Either way, the USDC arrives in your wallet on Arc.

Activity

Activity lists payments to and from Confluence IDs, under Sent and Received:

• Payments on Arc, and payments from other chains to an ID.
• The amount, the other side’s ID, the chains, the status, your note, and a link to the transaction.
• Your totals for the current month: completed payments sent and received.

A payment appears under Sent once you’ve signed it. It appears under Received once it’s confirmed on chain. Use Pay again to start a new payment to the same ID.

If an older payment shows Finish payment, its fee was paid but the payment itself wasn’t sent. Finishing it sends only the payment, with no new fee.

Saved

Save the IDs you pay often. Saved IDs show as quick picks when you pay, and Pay opens Send with the ID filled in. You can save up to 100 IDs, and only claimed IDs can be saved.