Core Features - AbabilPay Docs

Unified smart wallet

Each user has one logical wallet showing a unified USDC balance across all supported chains. Chain-specific accounts are managed behind the scenes — you see a single balance and interact with one wallet.

Feature	Description
Unified balance	Aggregated USDC total across Ethereum, Polygon, Base, Arbitrum, Solana, and Avalanche.
Chain breakdown	Expandable per-chain balance view when needed.
Non-custodial keys	No seed phrases for users — keys are managed securely without self-custody risk.
Live balance updates	Balances refresh automatically after confirmed transactions.
Transaction history	Full ledger filterable by chain, type, and date range.
QR receive	Generate receive QR codes for in-person or remote payments.
Address book	Save and label frequent recipient wallets.
Multi-sig support	Enterprise accounts can require approvals before outgoing transfers execute.

Auto-convert

Auto-convert is the flagship settlement feature. When a non-USDC token is deposited or used for payment, AbabilPay swaps it to USDC at the best available market rate before crediting the wallet.

Deposit detected
  → Best available conversion quote fetched
  → Slippage check (max 0.5%)
  → Swap executed
  → USDC credited to wallet
  → Live balance update pushed

Mode	Behavior
Always convert	Default mode. Every non-USDC deposit is swapped without user action.
Manual confirm	User receives a notification and approves the swap before execution.
Threshold mode	Conversion runs only when token value exceeds a configured USD amount.
Slippage protection	Max 0.5% slippage target. If exceeded, the swap is queued and retried.
Supported tokens	ETH, MATIC, SOL, BNB, USDT, DAI, WBTC, AVAX, ARB, and liquid ERC-20 assets.

Cross-chain bridge

AbabilPay uses Circle Cross-Chain Transfer Protocol (CCTP) for native USDC movement across chains. USDC is burned on the source chain and minted on the destination chain — no wrapped assets, no intermediary tokens.

Feature	Detail
Native transfer	Burn-and-mint USDC movement — no wrapped tokens.
Supported routes	Ethereum, Polygon, Base, Arbitrum, Avalanche, and Solana.
AI route selection	Agent chooses the optimal route based on gas cost and speed.
Gas abstraction	Fees can be deducted from the USDC amount shown before confirmation.
Status tracking	Live bridge progress updates throughout the transfer.
Time estimate	Typically seconds to minutes depending on route and network conditions.

On-ramp and off-ramp

Fiat-to-USDC (on-ramp) and USDC-to-fiat (off-ramp) are supported for verified accounts. KYC is completed once and applies across all ramp operations.

Direction	Supported methods	Planned regions
On-ramp	Credit card, debit card, ACH, SEPA, bank wire	US, EU, UK
Off-ramp	Bank transfer to verified account	US, EU, UK
KYC level 1	Up to $1,000 per day	All supported regions
KYC level 2	Up to $50,000 per day	All supported regions
Fees	1.5% on-ramp, 0.8% off-ramp	Shown before confirmation

Split payments

Split payments let a group share a bill through one payment session. The organizer creates a split, shares a link or QR code, and each participant pays their assigned share independently with any supported token.

Feature	Description
Create split	Set total, participant count, and a note.
Share link or QR	Participants pay independently through a hosted flow.
Equal or custom amounts	Divide equally or assign individual amounts per participant.
Live tracking	See who has paid in real time.
Expiry	Sessions expire after 7 days by default.
Auto payout	Once fully funded, USDC transfers automatically to the organizer wallet.