crumb
Powered by Circle x402 on Arc

Followthecrumbstobetterpayments.

The friendliest nanopayments platform on the planet. Tiny transactions, zero hassle — just crumb.finance/@you.

Already have a link? Try crumb.finance/@demo

$0Gas fees per payment
< 1sSign-to-settle time
9 chainsSupported for withdrawal
0 KYCNo identity checks

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 signed off-chain and settled instantly via x402 — gas is 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.

01

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.

02

Sign & settle instantly

When you send USDC, your browser signs an EIP-712 message. The payment verifies and settles on-chain in one step — no waiting.

03

Zero gas, every time

Arc's Gateway handles gas so you never pay fees. Every transaction is atomic — verified, settled, and recorded in a single call.

Built for everyone

Whether you're a person, a business, or a bot — Crumb works for you.

For users

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
For merchants

Monetize any API in 3 lines

Install the Crumb SDK, add one line of middleware, and charge for any endpoint. Payments settle instantly — no payment processor needed.

  • npm install crumb-alpha-sdk
  • Express middleware: provider.require('$0.001')
  • Monitor payments from your dashboard
For AI agents

Programmable micropayments

AI agents use crumb.fetch() to pay for API calls automatically. Sub-cent payments with no gas overhead — built for machine-speed commerce.

  • Sub-cent payments that actually make sense
  • Atomic settle — verify and record in one call
  • crumb.fetch() handles payment automatically

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

ArcArc
BaseBase
EthereumEthereum
SolanaSolana
AvalancheAvalanche
PolygonPolygon
ArbitrumArbitrum
OptimismOptimism
NobleNoble
Built at the Circle Hackathon 2026

Ready to ditch gas fees forever?

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