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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.
FeatureDescription
Unified balanceAggregated USDC total across Ethereum, Polygon, Base, Arbitrum, Solana, and Avalanche.
Chain breakdownExpandable per-chain balance view when needed.
Non-custodial keysNo seed phrases for users — keys are managed securely without self-custody risk.
Live balance updatesBalances refresh automatically after confirmed transactions.
Transaction historyFull ledger filterable by chain, type, and date range.
QR receiveGenerate receive QR codes for in-person or remote payments.
Address bookSave and label frequent recipient wallets.
Multi-sig supportEnterprise accounts can require approvals before outgoing transfers execute.

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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
ModeBehavior
Always convertDefault mode. Every non-USDC deposit is swapped without user action.
Manual confirmUser receives a notification and approves the swap before execution.
Threshold modeConversion runs only when token value exceeds a configured USD amount.
Slippage protectionMax 0.5% slippage target. If exceeded, the swap is queued and retried.
Supported tokensETH, MATIC, SOL, BNB, USDT, DAI, WBTC, AVAX, ARB, and liquid ERC-20 assets.

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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.
FeatureDetail
Native transferBurn-and-mint USDC movement — no wrapped tokens.
Supported routesEthereum, Polygon, Base, Arbitrum, Avalanche, and Solana.
AI route selectionAgent chooses the optimal route based on gas cost and speed.
Gas abstractionFees can be deducted from the USDC amount shown before confirmation.
Status trackingLive bridge progress updates throughout the transfer.
Time estimateTypically seconds to minutes depending on route and network conditions.

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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.
DirectionSupported methodsPlanned regions
On-rampCredit card, debit card, ACH, SEPA, bank wireUS, EU, UK
Off-rampBank transfer to verified accountUS, EU, UK
KYC level 1Up to $1,000 per dayAll supported regions
KYC level 2Up to $50,000 per dayAll supported regions
Fees1.5% on-ramp, 0.8% off-rampShown before confirmation

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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.
FeatureDescription
Create splitSet total, participant count, and a note.
Share link or QRParticipants pay independently through a hosted flow.
Equal or custom amountsDivide equally or assign individual amounts per participant.
Live trackingSee who has paid in real time.
ExpirySessions expire after 7 days by default.
Auto payoutOnce fully funded, USDC transfers automatically to the organizer wallet.