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

# Welcome to Pesarc

> One app and one API to send, hold, earn and settle money across borders, in your own currency.

Pesarc is a stablecoin settlement platform for the Global South. People send,
hold, earn and cash out in their **own currency** — naira, cedis, shillings —
in seconds, for a fee they can actually read. Underneath, Pesarc settles
peer-to-peer on public networks and pays out to the bank account and mobile
money people already have.

You can meet Pesarc in three ways:

<CardGroup cols={3}>
  <Card title="The app" icon="mobile" href="/app/overview">
    Send, hold, earn, invest and pay bills. Or just ask the agent, in the app or
    on WhatsApp.
  </Card>

  <Card title="Integrations" icon="plug" href="/integrations/overview">
    Take stablecoin payments in your SaaS or store, or let an AI agent move
    money programmatically.
  </Card>

  <Card title="The API" icon="code" href="/api-reference/introduction">
    A small REST API: create a hosted checkout, confirm a key, drive the agent.
  </Card>
</CardGroup>

## What Pesarc does

* **Cross-border transfers** — money sent from Lagos lands in Accra in seconds,
  in the currency each person actually holds.
* **A balance that holds** — keep value in your own currency instead of watching
  it melt.
* **Earn** — put idle balances to work and withdraw any time.
* **Invest** — buy shares in companies you know, and take a view on big events.
* **Just ask** — the agent understands plain language and does the work: pay a
  bill, send money, top up airtime.

## How it works underneath

Pesarc is **non-custodial** — only the user can move their money. The platform
never holds it. Behind the friendly money words, a transfer becomes a stablecoin
intent that is netted and settled on-chain, then paid out over the local rail
(bank transfer or mobile money) on the other side. Gas is sponsored, so users
never touch a token to pay a fee.

<Note>
  Pesarc is multi-chain. The portable settlement hub runs on Arbitrum, with native
  support across Arc, Celo, Base, Ethereum, Optimism, Polygon and Solana. Cash-in
  and cash-out happen over bank transfer and mobile money.
</Note>

## Next steps

<CardGroup cols={2}>
  <Card title="Quickstart" icon="rocket" href="/quickstart">
    Take your first payment in ten minutes.
  </Card>

  <Card title="Using the app" icon="wallet" href="/app/overview">
    A tour for people, not engineers.
  </Card>
</CardGroup>