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Engineering Deep Dive
Built on Arc: The Blockchain for Real-World Finance
Insfers leverages the Arc blockchain to deliver sub-second finality, enterprise-grade security, and the industry's first truly offline payment system. Every transaction is settled on-chain with USDC as native gas, eliminating volatile token dependencies.
Why Arc Blockchain?
Arc is purpose-built for real-world financial infrastructure, combining the speed of centralized systems with the transparency and security of decentralized networks.
Sub-Second Finality
Arc uses the Malachite BFT consensus engine, achieving deterministic finality in under 400 milliseconds. Unlike probabilistic finality on chains like Ethereum, once a transaction is confirmed on Arc, it is irreversible with no risk of reorganization.
- Malachite BFT consensus protocol
- Deterministic finality in <400ms
- No block reorganization risk
- 10,000+ TPS throughput capacity
USDC as Native Gas
Arc is the first L1 blockchain to use USDC as its native gas token. This eliminates the need for users to hold volatile tokens to pay transaction fees, making costs predictable for both consumers and businesses.
- Gas fees paid in USDC (stablecoin)
- Predictable costs starting at $0.001
- No volatile token exposure
- Fee sponsorship for end users
Enterprise Security
Arc provides institutional-grade security with built-in compliance primitives. Opt-in privacy features, programmable access controls, and on-chain audit trails meet the strictest regulatory requirements.
- Institutional-grade validator set
- Opt-in privacy with ZK proofs
- Programmable compliance rules
- Immutable on-chain audit trails
Cross-Chain Composability
Native integration with Circle's Cross-Chain Transfer Protocol (CCTP) enables seamless USDC movement across supported chains. Users and businesses can send and receive from any ecosystem without bridges.
- Circle CCTP native integration
- No third-party bridge risk
- Atomic cross-chain settlement
- Unified liquidity across chains
Offline Payment Technology
The industry's first fully offline, device-to-device payment system. Transact anywhere, even without internet connectivity, and sync securely when back online.
How It Works
01
Device Pairing via BLE
Sender and receiver devices establish a secure Bluetooth Low Energy (BLE) connection. A shared session key is generated using Elliptic Curve Diffie-Hellman (ECDH) key exchange.
02
Transaction Creation
The sender constructs a signed transaction locally using their private key stored in the device's secure enclave (TEE/SE). The transaction includes amount, recipient, timestamp, and a unique nonce.
03
Offline Transfer
The signed transaction payload is transmitted to the receiver over the encrypted BLE channel. The receiver's device stores the pending transaction in a tamper-resistant local ledger.
04
Local Validation
The receiver's device validates the transaction signature, checks the sender's local balance cache, and applies double-spend prevention rules using Merkle proof verification.
05
Blockchain Sync
When either device reconnects to the network, all pending offline transactions are batched and submitted to the Arc blockchain for final settlement and permanent recording.
Security Features
- End-to-end encryption via ECDH + AES-256-GCM
- Private keys never leave the secure enclave
- Replay attack prevention with monotonic counters
- Double-spend detection using Merkle DAG state
- Tamper-evident local transaction storage
- Automatic conflict resolution on sync
Use Cases
- Rural Commerce: Market vendors and farmers in areas with no connectivity
- Disaster Relief: Aid distribution when infrastructure is down
- Transit Systems: Fare payments in underground metros and tunnels
- Event Payments: High-density venues with congested networks
On-Chain Payment Architecture
Every Insfers payment follows a deterministic six-step flow from initiation to settlement, all recorded immutably on the Arc blockchain.
1
Payment Intent
POST /v1/payments/intentsThe payer or merchant creates a payment intent via the Insfers SDK or API. This generates a unique payment ID and locks the requested amount, currency, and destination parameters.
2
Authorization & Signing
ECDSA secp256k1 signatureThe payer's wallet signs the transaction using their private key. For business integrations, the Insfers smart contract verifies the merchant's authorization and applies any configured rules (limits, allowlists).
3
Transaction Submission
Avg. inclusion time: <200msThe signed transaction is broadcast to the Arc network's mempool. Validator nodes pick up the transaction and include it in the next block within the consensus round.
4
Consensus & Validation
2/3+ validator agreement requiredArc's Malachite BFT validators reach consensus on the transaction. The smart contract validates balances, checks compliance rules, and executes the USDC transfer atomically.
5
Finality & Confirmation
Finality in <400ms, zero reorg riskThe transaction achieves deterministic finality. The payment status is updated in real-time and a webhook notification is dispatched to the merchant's configured endpoint.
6
Settlement & Reconciliation
Instant settlement, no batch delaysUSDC is transferred to the recipient's wallet. The Insfers dashboard and API reflect the completed payment with a full audit trail, including block hash, transaction ID, and gas used.
Multi-Chain Support
Accept and send payments across all major blockchain ecosystems. Insfers abstracts chain complexity so your users never have to think about which network they're on.
Arc
Primary settlement layer with sub-second finality and USDC-native gas.
Ethereum
Full support for mainnet USDC payments with optimized gas management.
Base
Coinbase's L2 with low fees and deep USDC liquidity via native issuance.
Polygon
High-throughput chain ideal for micro-payments and high-volume use cases.
Arbitrum
Ethereum rollup with fast confirmations and robust DeFi composability.
Optimism
OP Stack rollup with growing ecosystem and Superchain interoperability.
Avalanche
Sub-second finality with Avalanche consensus and institutional adoption.
Solana
High-performance chain with sub-second finality and ultra-low transaction costs.
Stellar
Purpose-built for remittances with SEP-24/31 standards and native SDEX trading.
+
More Coming
TON and additional chains planned for upcoming releases.
All cross-chain transfers powered by Circle's CCTP — no third-party bridges required.
View Chain Integration DocsSecurity Infrastructure
Multiple layers of defense protect every transaction, every key, and every byte of data across the Insfers platform.
Encryption
All data in transit and at rest is encrypted with industry-leading standards.
TLS 1.3All API and client communications
AES-256-GCMData at rest and offline payloads
ECDH + HKDFSession key derivation for BLE
Ed25519Webhook signature verification
Key Management
Cryptographic keys are generated and stored in FIPS 140-2 Level 3 certified Hardware Security Modules (HSMs).
HSM BackedFIPS 140-2 Level 3 certified modules
Key RotationAutomatic 90-day rotation policy
MPC SigningMulti-party computation for hot wallets
Secure EnclaveMobile key storage in TEE/SE
Monitoring
Round-the-clock observability with automated anomaly detection and incident response across all systems.
24/7 SOCDedicated security operations center
Real-TimeTransaction anomaly detection via ML
Auto-ResponseAutomated threat mitigation playbooks
Audit LogsImmutable access and change records
Compliance
Certified and audited against the most rigorous international security and privacy standards.
SOC 2 Type II
Annual audit
GDPR
Full compliance
ISO 27001
Certified ISMS
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