> For the complete documentation index, see [llms.txt](https://arkade-base.gitbook.io/arkpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://arkade-base.gitbook.io/arkpay/arkpay.md).

# ArkPay

An Overview of What ArkPay is all about

## How ArkPay Works

ArkPay allows users to pay in crypto while merchants receive local fiat currency.

### Payment Flow

1. The user selects crypto as a payment method.
2. ArkPay generates a wallet address for the transaction.
3. User sends crypto (e.g., USDT on Ethereum or Solana).
4. ArkPay verifies the payment on-chain.
5. Fiat equivalent is calculated using real-time exchange rates.
6. Funds are disbursed to the merchant's linked bank account.

> 💡 ArkPay handles all volatility, compliance, and conversion behind the scenes.