> For the complete documentation index, see [llms.txt](https://aipaywithcrypto.gitbook.io/whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://aipaywithcrypto.gitbook.io/whitepaper/ai-pay-with-crypto-whitepaper/15-faq.md). # 15 — FAQ ### 1. What is APC? APC (Ai Pay With Crypto) is AI-native financial infrastructure built for the emerging agent economy. APC enables AI agents, users, and businesses to move value through programmable crypto payments, stablecoin settlement, and real-world payment networks. By connecting on-chain assets with real-world merchants and payment infrastructure, APC is building a financial layer where AI agents can pay, settle, and transact autonomously. *** ### 2. What problem does APC solve? Traditional payment infrastructure was designed primarily for humans. As AI agents become capable of discovering services, executing tasks, and interacting with businesses, they also need a reliable way to initiate payments, manage spending, and settle transactions without constant human intervention. APC provides the payment and settlement infrastructure that allows AI agents to participate in this emerging machine-to-machine economy. *** ### 3. How do AI agents make payments with APC? AI agents can interact with APC through its payment infrastructure and developer interfaces to initiate and settle transactions. Agents can be designed to: * Discover payment opportunities * Initiate transactions * Execute payments within predefined rules or budgets * Settle transactions using supported digital assets * Interact with online services and real-world merchants This enables autonomous, machine-to-machine payments without requiring a human to manually approve every transaction. *** ### 4. What can APC payments be used for? APC is designed to support a broad range of AI-native and Web3 payment scenarios, including: * AI agent-to-agent payments * API and service payments * Autonomous subscriptions * Digital goods and services * Gaming and digital collectibles * Cross-border payments * Real-world merchant payments The goal is to allow AI agents to move from simply recommending or executing tasks to actually completing the financial side of those tasks. APC's public positioning specifically highlights AI payments, programmable settlement, merchant connectivity, gaming, and digital collectibles. *** ### 5. How can merchants accept payments through APC? Merchants can connect to APC through supported payment channels such as: * QR payments * POS terminals * APIs / Developer SDKs * Other integrated payment channels This allows merchants to accept crypto-native payments while connecting to the broader APC payment ecosystem. Public descriptions of APC specifically reference QR codes, POS terminals, and developer/payment infrastructure for connecting digital assets with real-world merchants. *** ### 6. What is the APC Agent Coordination Layer? The APC Agent Coordination Layer is a technical component of APC Agent Pay, designed to facilitate interaction between AI agents and payment infrastructure. It is intended to provide a framework for agents to discover, coordinate, and transact within an agent-driven economy, connecting AI decision-making with real financial execution. Development Status: The APC Agent Coordination Layer, as part of APC Agent Pay, is currently under development. The capabilities described are planned features and are not yet available as a launched service. *** ### 7. What stablecoins does APC support? APC is designed to use stablecoins as a settlement layer for digital payments and cross-border transactions. Supported assets may vary depending on the network, market, and regulatory environment. This allows users and AI agents to transact with digital assets while reducing exposure to the volatility associated with traditional cryptocurrencies. *** ### 8. Does APC support cross-border payments? Yes. APC is designed to facilitate cross-border digital asset payments and programmable settlement. By using blockchain-based settlement and stablecoins, APC aims to provide a faster and more flexible alternative to traditional cross-border payment rails. This infrastructure can connect AI agents, businesses, and merchants across different markets. *** ### 9. Where is APC available? APC is building a global payment network with deployments and ecosystem connectivity across multiple markets. Current operational markets include: Thailand, Vietnam, the Philippines, Indonesia, Brazil, Nigeria, Georgia, Argentina, Kenya, Peru, and the CIS region. *** ### 10. How does APC handle compliance? APC is designed to operate within applicable regulatory and compliance frameworks in the markets where its payment infrastructure is deployed. Depending on the jurisdiction and payment flow, this may include: * KYC / KYB * AML / CFT procedures * Transaction monitoring * Local licensing requirements * Merchant and user verification * Regulatory reporting where applicable Compliance requirements may vary by jurisdiction and product. *** ### 11. Does APC provide fiat on- and off-ramps? APC is designed to bridge crypto-native payments with traditional financial infrastructure, including fiat on- and off-ramp capabilities where available. Availability depends on the user's jurisdiction, supported assets, and local payment infrastructure. *** ### 12. Which networks does APC support? APC is designed to operate across multiple blockchain networks and payment environments. Supported networks may vary depending on the asset, application, and payment route. For developers, the APC infrastructure abstracts much of the underlying payment complexity so applications and AI agents can interact with supported payment rails more efficiently. ### 13. Is KYC required for users to use the APC PAY payment app? Yes. KYC helps keep the app safe and compliant. It: * Prevents fraud and scams * Protects users and merchants * Meets legal and regulatory requirements KYC does not give PWC Super App access to your funds. *** ### 14. Is a refund option available to users after a successful payment? Refunds depend on the merchant and the outcome of the transaction. APC Pay may authorize refunds only if: * The transaction fails to reach the merchant * Funds do not settle to the merchant's account Refunds are processed after strict manual verification, ensuring fairness and accuracy.