> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ababilpay.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Core Features

> Wallet, auto-convert, bridge, on/off ramp, and split payment capabilities.

## 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. |