Turn Conversations
Into Transactions
The Apple Pay of Web3. Send money anywhere you communicate — from messaging apps to AI agents. One conversation. One payment.
You
“Send Molly $20”
Pear Pay 🍐
Sent $20 to molly.eth. Settled in USDC ✅
Pay people, not wallets
Pear Pay handles wallets, chains, bridges, swaps, and gas — so users only ever express intent.
Natural Language Payments
Just say what you want — “Send Molly $20.” No addresses, no chain selection, no blockchain expertise.
Chain Abstraction
Never pick a chain or token again. Pear Pay routes and settles on the optimal rail automatically.
USDC Settlement
Every payment settles in USDC for stable value, fast finality, and global reach.
Private Transfers
Optionally hide balances, amounts, and counterparties. Privacy is built in, not a premium.
Human-Readable Identity
Pay molly.eth instead of 0x4E2B5C… ENS identities for people and AI agents alike.
AI Agent Commerce
Agents pay for APIs, compute, and each other — autonomous machine-to-machine payments.
If you can send a message, you can send money
How it works
Say it
Type “Pay Alex $125 for the Airbnb” in any chat — or ask an AI agent.
We resolve & route
Pear Pay finds the recipient, picks the best rail, and settles in USDC.
They get paid
Existing users get funds instantly; new ones claim via a secure link.
Arc USDC liquidity hub
One payment surface across chains
Pear Pay keeps chain choice out of the conversation. The backend detects the sender's source chain, routes USDC through Arc, and settles claimable payments with programmable escrow: funds lock on send, release on claim, and refund after expiry.
Settlement hub
Arc Testnet (5042002)
USDC
0x3600000000000000000000000000000000000000
EURC
0x89B50855Aa3bE2F677cD6303Cec089B5F319D72a
Routing
Source chain -> Arc -> recipient
Agentic economy
Humans approve with Face ID. Agents pay APIs autonomously via Dynamic server wallets and x402.
Agentic Economy
Server wallet · autonomous x402 · Flow funding
Proposer boundary: user payments need FaceID. Agent pays APIs autonomously via server wallet.
Send money like a text
Be first to turn your conversations into transactions. Join the waitlist and we’ll reach out when Pear Pay is ready.