# ArkPay

## 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.