SOLANA SMART PAYMENT

Pay Any
QRIS Merchant
With USDC.

A trustless settlement protocol bridging Solana on-chain programmability to Indonesia's 30M+ QRIS merchant network. Merchants receive IDR. Users stay self-custodial.

Read Whitepaper
arpay_settlement.log
$ arpay simulate --amount 12.5 USDC --merchant "Geprek Legend"
Send: 12.500000 USDC
Rate: 1 USDC = Rp 15,840
Receive: Rp 198,000
Escrow PDA: 8f3a...92ab
Status: READY
📸MOCKUP AREALetakkan tag <img> mockup UI
atau <video> demo ArPay di sini.
< 5s
SETTLEMENT
30M+
QRIS TERMINALS
0%
CUSTODY RISK
0.5%
SLIPPAGE GUARD
TRANSACTION LIFECYCLE

T0 → T5 in Under 5 Seconds

T0
Scan QRIS
T1
Sign TX
T2
PDA Escrow
T3
Oracle Detects
T4
Disburse IDR
T5
Merchant Credited
↑ tap each step to expand
TRI-LAYER ARCHITECTURE

Built on Solana. Settled in Rupiah.

ON-CHAIN
Rust + Anchor
Solana PDA Escrow
CLIENT
Next.js PWA
Solana Pay URI
ORACLE
Python asyncio
WSS Event Listener
FIAT RAIL
Xendit + BI-FAST
Licensed IDR Settlement
PRICE FEED
Pyth Network
On-chain USDC/IDR
Atomic Settlement Guarantee: P(merchant receives IDR ∪ payer gets USDC refund | TX confirmed) = 1
No intermediate state exists where funds are permanently lost. Escrow timeout: 120s.
TARGET USERS

Who This Is For

01
Crypto Holders
Spend USDC at any of 30M Indonesian QRIS merchants — no exchange, no offramp delay.
02
Tourists & Expats
Skip currency exchange booths entirely. Pay anywhere that accepts QRIS.
03
Remote Freelancers
Convert on-chain earnings to real-world spending power instantly.
BUILT FOR THE FUTURE ECONOMY

The Missing Bridge.

Solana-native. Fiat-settled. No merchant onboarding.

Try ArPay →
© 2026 ArPay · Arshaka Team · Malang, Indonesiaarpay 2026