FractalPay Help Center
Everything you need to master the most complete crypto wallet — 19 tabs, 9 chains, P2P trading, escrow, DCA, remittances, and more.
Wallet Overview
19 TabsFractalPay organizes all functionality into dedicated tabs. Here is what each one does:
Overview
Dashboard with balance, recent transactions, and quick actions.
Send
Send FRAC, FRAI, or wFRAC to any address with QR support.
Receive
Generate QR codes and share your address to receive tokens.
Swap
Instant token swaps between FRAC, FRAI, and wrapped tokens.
P2P
Buy and sell crypto with fiat via verified agents.
Staking
Stake FRAC to earn 3.18%–8.09% APY rewards.
Tokens
View all token balances including AURUM commodities.
History
Full transaction history with filtering and export.
Contacts
Save and manage frequently used addresses.
Faucet
Get free testnet FRAC for development (24h cooldown).
AI Chat
Chat with FractalAI's on-chain intelligence engine.
Bridge
Bridge tokens across 9 chains (7 EVM + Stellar + FractalAI).
Auto-Invest
Set up DCA schedules for automatic token purchases.
Remittances
AI-optimized cross-border remittances with best rates.
Subscriptions
Manage recurring crypto payments and subscriptions.
Agent
Become a P2P agent, manage orders, and earn fees.
POS
Point-of-sale terminal for accepting FRAC payments.
DApps
Explore decentralized applications on FractalAI.
Send & Receive
Open Send tab
Navigate to the Send tab in your FractalPay wallet.
Enter recipient
Paste the recipient's FractalAI address or scan their QR code.
Enter amount
Type the amount of FRAC you want to send.
Confirm & sign
Review the transaction details and click "Send" to sign with your Dilithium key.
Token Swaps
Select tokens
Choose the token pair you want to swap (e.g., FRAC → FRAI).
Enter amount
Input the amount to swap. The estimated output will be calculated.
Review rate
Check the exchange rate and slippage tolerance.
Execute swap
Click "Swap" to execute the on-chain token exchange.
P2P Trading
Choose buy or sell
Select whether you want to buy or sell FRAC with fiat.
Find an agent
Browse verified agents sorted by reputation, speed, and price.
Start trade
Select an agent and enter your trade amount. Crypto is locked in escrow.
Send/receive fiat
Follow payment instructions. Mark fiat as sent when done.
Complete trade
Once fiat is confirmed, crypto is released from escrow.
Escrow Protection
Automatic escrow
When a P2P trade starts, FRAC is automatically locked in the smart contract.
Fiat confirmation
The buyer sends fiat and marks it in the app. The seller verifies receipt.
Release funds
Seller confirms fiat receipt → smart contract releases FRAC to buyer.
Dispute resolution
If there's a problem, open a dispute. 3 arbitrators vote (2/3 quorum).
Agent Network
Stake FRAC
Go to Agent tab → Stake. Minimum 1,000 FRAC to register as an agent.
Create orders
Set up buy/sell orders with your price, limits, and payment methods.
Fulfill trades
When someone takes your order, complete the trade via escrow.
Earn fees
Earn your share of the 0.16% escrow fee on each completed trade.
Merchant POS
Open POS tab
Navigate to the Merchant POS tab in your wallet.
Enter amount
Type the payment amount in FRAC or select a fiat equivalent.
Generate QR
A payment QR code is generated for your customer to scan.
Payment confirmed
Once the customer pays, you receive a confirmation notification.
Payment Links
Create link
Go to Send tab and create a payment link with amount and memo.
Share link
Copy the payment link URL or share the QR code.
Recipient pays
The recipient opens the link and pays with their FractalPay wallet.
Auto-Invest (DCA)
Open Invest tab
Navigate to the Auto-Invest (DCA) tab.
Configure schedule
Choose token pair, amount per period, and frequency (daily/weekly/monthly).
Set slippage
Set your maximum slippage tolerance for price protection.
Activate
Approve token allowance and activate the DCA schedule.
AI Remittances
Select corridor
Choose source and destination countries for the remittance.
Enter amount
Type the amount in source currency. AI finds the best route.
Choose delivery
Select how the recipient gets funds (bank, mobile money, cash).
Send
Confirm and send. AI optimizes for lowest fees across chains.
Staking
Open Staking tab
Navigate to the Staking tab in your wallet.
Choose amount
Enter the amount of FRAC to stake. Minimum varies by tier.
Stake
Confirm staking. Your FRAC is locked and begins earning rewards.
Claim rewards
Rewards accrue continuously. Claim or compound them anytime.
Cross-Chain Bridge
Select chains
Choose source and destination chains (Ethereum, Base, Polygon, etc.).
Enter amount
Enter the wFRAC amount to bridge. Fee: 0.16%.
Approve & bridge
Approve the bridge contract and confirm the transaction.
Wait for confirmation
Validators confirm the bridge. Large transfers (>10K) have 24h timelock.
Subscriptions
Browse services
View available subscription services accepting FRAC.
Subscribe
Choose a plan and approve the recurring payment allowance.
Auto-deduct
Payments are automatically deducted each billing cycle.
Manage
Pause, resume, or cancel subscriptions anytime.
Security
FractalPay is built with enterprise-grade security from the ground up:
Post-Quantum Cryptography
CRYSTALS-Dilithium signatures protect against both classical and quantum computer attacks.
AES-256-GCM Encryption
Your wallet keys are encrypted with military-grade AES-256-GCM before storage.
Smart Contract Escrow
P2P trades use on-chain escrow with reentrancy guards and checks-effects-interactions pattern.
Multi-Sig Bridge
Cross-chain bridges require 3/5 validator signatures for every operation.
Rate Limiting
Bridge operations are rate-limited: 100K/hour, 1M/day per address.
Timelock
Large transfers (>10K FRAC) have a mandatory 24-hour timelock delay.
Agent Staking
P2P agents must stake 1,000+ FRAC, ensuring skin-in-the-game accountability.
Dispute Arbitration
3-arbitrator committee with 2/3 quorum for dispute resolution.
Fee Comparison
| Service | Send Fee | Exchange Rate | Speed |
|---|---|---|---|
| FractalPay ★ | 0.16% | Market rate | <3 seconds |
| Western Union | 4–10% | +2–5% markup | 1–3 days |
| PayPal | 2.9% + $0.30 | +3.5% markup | 1–2 days |
| Bank Wire | $25–50 flat | +1–3% markup | 2–5 days |
| Wise | 0.5–1.5% | Mid-market | 1–2 days |
| Crypto Exchange | 0.1–0.5% | Market rate | Minutes |
FAQ
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