EVERYWHEREPAY

FOR PROPER EACH FEATURE DIAGRAM AND ARCHITECTURE PLEASE REFER TO GIHTHUB README https://github.com/cadalt0/EVERYWHEREPAY/blob/A/README.MD

EverywherePay is a next-generation USDC wallet platform designed for seamless, gasless, and fully automated cross-chain payments, requests, and invoicing. The user journey begins the moment you log in: the backend instantly creates a Circle developer-controlled smart contract wallet (SCA) for you, tailored for multichain operations and managed securely by the platform.

When you deposit USDC from any supported chain such as Avalanche, Base, Polygon, or othersthe system’s backend monitors all wallet addresses for incoming transactions. As soon as funds are detected, EverywherePay leverages Circle’s CCTPv2 / Bridge Kit to automatically bridge the USDC to the ARC testnet. This bridging process is fully automated, requiring no user intervention, and ensures that your funds are moved securely and efficiently across chains.

Once the bridging is complete, the USDC is deposited directly into the Circle gateway on ARC. This gateway acts as a central hub for your funds, enabling you to perform further actions like sending, requesting, or invoicing USDC. For sending, the platform uses the gateway to transfer USDC to any supported chain. You simply specify the recipient, select the chain and address, and submit the transaction. EverywherePay handles all the bridging, routing, and gas costs, making the process fast and frictionless.

The platform also supports multi-chain sending: you can add multiple recipients, each on different chains, and send USDC in a single transaction. This is ideal for payroll, mass payouts, or business operations requiring cross-chain distribution.

For payment requests and professional invoices, you just enter the amount and share a link or PDF with your client. The client can pay from any chain, and the backend auto-detects the payment, bridges it, and settles it to your ARC wallet. Every transaction deposit, send, request, or invoice is fully verifiable on-chain, providing transparency and security.

EverywherePay abstracts away all the technical complexity: wallet creation, transaction detection, bridging, settlement, and gas management. It’s built for both individuals and businesses, The platform is powered by Circle’s infrastructure, ensuring compliance, reliability, and scalability.

EverywherePay is built with Next.js, React, and TypeScript for the frontend, providing a fast, modern UI. On login, our backend (Node.js/TypeScript) uses Circle’s APIs to instantly create a developer-controlled smart contract wallet (SCA) for each user this is a custodial wallet managed by our server, enabling seamless, secure multichain operations.

For deposits, we monitor all user wallet addresses for incoming USDC on supported chains. When funds arrive, we use Circle’s CCTPv2 / BridgeKit to automatically bridge USDC to the ARC testnet. This process is fully automated: the backend detects the transaction, initiates the bridge, and, once complete, deposits the funds into the user’s Circle Gateway on ARC. The Circle Gateway acts as a programmable treasury, letting us send and receive USDC across chains with a single call/.

For sending, we leverage the Gateway to transfer USDC to any supported chain, abstracting away all the bridging and gas logic. Users can send to multiple chains and recipients in one go. Invoices and payment requests are generated as links or PDFs, and the backend auto-detects, bridges, and settles payments, all gasless and on-chain verifiable.

Circle’s developer-controlled wallet, Gateway, and CCTPv2/BridgeKit were essential they let us automate wallet creation, cross-chain bridging, and settlement, making the user experience seamless and secure. We also implemented real-time WebSocket notifications for instant payment detection. The hackiest part: orchestrating cross-chain detection, bridging, and settlement flows to be truly “one-click” for the user, hiding all blockchain complexity behind a simple UI.