Onehandle.Instant USDC.Zerogas.
Create your personal payment link and start receiving USDC in seconds. No wallets, no complexity — just usdc-me.xyz/@you.
Already have a link? Try usdc-me.xyz/@demo
Payments, finally simple
Everything you hated about crypto payments — gone.
No wallet setup
We create a smart wallet for you at sign up. No seed phrases, no extensions.
Zero gas fees
Payments are x402 spend intents signed off-chain — gas is batched and covered by the network.
Any chain, one handle
Withdraw USDC to Arc, Base, Ethereum, Solana and 5 more chains from a single @handle.
How it works
From sign-up to settled — three steps, zero gas.
Create your handle
Sign up with an email. We generate a smart wallet for you in-browser and encrypt your key with your password. We never see it.
Sign a spend intent
When you send USDC, your browser signs an EIP-712 message. No on-chain transaction, no gas, instant. The intent is queued.
Intents settle in a batch
All pending intents are batched into a single on-chain transaction by the Arc network. 10,000 payments. One gas fee.
Built for everyone
Whether you're a person, a business, or a bot — USDC.me works for you.
Your personal payment link
Get a handle like @yourname and share it anywhere. Anyone can pay you USDC instantly — no app install, no wallet required on their end.
- Shareable QR code & payment link
- Withdraw to 9 chains from one place
- No seed phrases, ever
Accept USDC with one API call
Register, get an API key, and start accepting USDC. Embed our payment widget on any site with a single script tag.
- POST /create → payment URL in seconds
- Webhook callbacks on every payment
- Embeddable widget, zero frontend work
Programmable micropayments
The intent-based architecture is built for machine-speed payments. AI agents can pay per API call with no gas overhead on each interaction.
- Sub-cent payments that actually make sense
- Batch thousands of payments into one tx
- Sign intents programmatically via Viem
Security by design
Your keys, your money. We architect around the assumption that the server is compromised.
Zero-knowledge key storage
Your private key is generated and encrypted in your browser using AES-GCM. The server only ever holds an encrypted blob — it cannot sign transactions on your behalf.
600,000-iteration PBKDF2
Your encryption key is derived with 600,000 PBKDF2-SHA256 iterations. Brute-forcing the encrypted blob is computationally infeasible.
Dual-password recovery
Set a separate recovery password at sign-up. If you forget your login, you can re-encrypt your key without the server ever seeing it in plaintext.
Withdraw USDC to 9 chains
Arc
Base
Ethereum
Solana
Avalanche
Polygon
Arbitrum
Optimism
NobleReady to ditch gas fees forever?
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