Global payouts, made local.

Setula helps UAE agencies pay overseas contractors with exact recipient amounts, invoice-linked records and verifiable USDC settlement on Arc.

Start a payment See how it works

Arc Testnet prototype · Fiat entry and payout rails simulated

Setula contractor payment screen showing an exact INR amount, invoice reference, payment route, and continue-to-quote action

Enter the invoice

Set the exact amount the contractor should receive.

AED funding · simulated

Settle through Arc

USDC moves between institutional payment partners under the hood.

Arc settlement · real

Deliver local currency

The contractor receives INR while the business receives one reconciled record.

INR payout · simulated

Settled. Delivered. Verified.

Setula keeps funding, Arc settlement and local payout as separate states. Finance teams can see exactly where a payment is—and prove it with one reconciled record.

View the ArcScan proof

AEDAgency fundsUSDCSettles on ArcINRContractor receives

Change the AED quote to trace value through the settlement route.

Duplicate protected

One payment cannot create two Arc transfers, even when a request is repeated.

Failed means failed

Insufficient USDC balance produces SETTLEMENT_FAILED, never a misleading settled state.

Delivery is callback-gated

The payment reaches DELIVERED only after the authenticated payout callback succeeds.

Validated product proof

From invoice to reconciled receipt.

Real Arc Testnet evidence sits beside simulated funding and payout status, all tied to one payment reference.

Payment referenceINV-SETULA-671C5954

Delivered

Sandbox AED quoteExact INR amount1 AED = 22.75 INR

Arc settlement0.01 USDCCircle status · COMPLETE

INR payoutDeliveredAuthenticated simulated callback

DRAFTSETTLEDDELIVERED

ArcScan transaction evidence0x347ac773f6d28095…db022d4900

View on ArcScan

InvoiceINV-SETULA-671C5954

PaymentINV-SETULA-671C5954

ReceiptINV-SETULA-671C5954

Validated 3 August 2026 on Arc Testnet. The public hash and ArcScan link are real; AED funding and INR payout are simulated.

Failure recovery

What happens when the payout fails?

A confirmed Arc settlement remains confirmed, while contractor delivery remains explicitly incomplete.

01SETTLEDArc transfer succeeded

02PAYOUT_REJECTEDLocal delivery failed

03REFUND_PENDINGControlled recovery state

The MVP models rejection and refund states. It does not automate live local-payout correction or fiat refunds.

Infrastructure

One settlement layer. Multiple payment products.

Setula separates product-specific payment rules from reusable settlement, payout, evidence, and recovery components.

01Quote engine

02Payment-purpose rules

03Settlement adapter

04Payout adapter

05Ledger and reconciliation

06Recovery workflows

Why Arc

Settlement evidence a system can verify.

Arc is the demonstrated USDC settlement rail. It does not perform the simulated AED funding or local INR delivery.

USDC settlement

The demonstrated payment moves USDC between payment-partner wallets on Arc Testnet.

Predictable dollar costs

Settlement value and network costs remain legible in dollar-denominated terms.

Deterministic confirmation

The payment advances only after Circle reports the successful terminal transaction state.

Verifiable evidence

A transaction hash and ArcScan record make settlement machine-checkable and publicly inspectable.

Arc Testnet is used for this hackathon prototype; this page does not present it as production infrastructure.

Working prototype

See one cross-border payment from quote to delivery.

Start a payment

Uses a real USDC settlement transaction on Arc Testnet.