FractalAI is the first AI-native Layer 1 blockchain built from scratch in Rust. It features post-quantum cryptography (CRYSTALS-Dilithium), Proof of Fractal Work consensus, WASM smart contracts, and 460+ RPC endpoints.

What is the FRAC token?

FRAC is the native utility token of the FractalAI blockchain with a fixed supply of 1 billion tokens. It is used for staking, governance, gas fees, and DeFi. FRAC is purely deflationary with a 61.8% fee burn rate based on the golden ratio.

How does Proof of Fractal Work differ from Proof of Work?

Proof of Fractal Work (PoFW) requires validators to perform fractal analysis instead of hash puzzles. Validators whose fractal dimensions approach the golden ratio (φ = 1.618) receive higher rewards, making it computationally meaningful rather than wasteful.

Is FractalAI quantum-resistant?

Yes. FractalAI uses CRYSTALS-Dilithium for digital signatures and Kyber for encryption, both NIST-approved post-quantum cryptographic algorithms that protect against quantum computing threats.

How can I buy FRAC tokens?

FRAC tokens are available through the presale at fractalai.net.co/presale. You can pay with USDC on Base, USDC on Stellar (lowest fees), or credit/debit card via Circle. The presale has 4 phases starting at $0.25 (Seed) up to $0.80 (Public), with listing target at $1.00.

What is the AURUM protocol?

AURUM is FractalAI's commodity tokenization protocol that enables gold, silver, platinum, and 5 other commodities to be tokenized on-chain with phi-bonding curves that grow at 1.618% per epoch.

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#accept usdc payments#non-custodial checkout#stablecoin payments business

How to accept USDC payments as a business (non-custodial)

A growing number of businesses want to accept stablecoins like USDC — settlement is fast, final and global — but not every crypto payment option is equal. The key distinction is custody: a non-custodial checkout lets customers pay you in USDC directly to a wallet you control, with no intermediary holding your money in between. That changes the risk profile compared with a custodial processor and is the model many merchants actually want.

Custodial versus non-custodial

A custodial processor receives the customer payment into an account it controls, then pays you out later — meaning your funds sit with a third party you must trust, and that can freeze, delay or fail. A non-custodial checkout routes the payment straight to your own wallet: you hold the keys, funds are never in someone else account, and settlement is final on-chain the moment the transaction confirms. You gain control and remove counterparty risk, at the cost of managing your own wallet and keys.

How a non-custodial checkout works

The checkout presents the customer a payment request — amount, your receiving address, the chain and token (USDC). The customer pays from their wallet; the transaction settles directly to you on-chain, and the checkout confirms it by watching the network. There is no account to reconcile and no payout delay: what the customer sends is what you receive, minus network gas. Because settlement is final, there are no chargebacks — a benefit against fraud, but it shifts refund responsibility to your own process.

Honest scope

Non-custodial means you control the funds and no processor can hold them — it does not convert crypto to fiat for you, so if you need dollars in a bank you handle off-ramping separately. You are responsible for wallet and key security, and on-chain payments are irreversible, so refunds are a manual business process, not an automatic reversal. You also remain responsible for your own tax and regulatory obligations. The trade is control and finality in exchange for self-custody responsibility.

Try it yourself — live, free, verifiable in 30 seconds:

Accept stablecoins non-custodially →