> ## Documentation Index
> Fetch the complete documentation index at: https://docs.delegare.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Dual-Rail Settlement

> How Delegare settles payments across Fiat and Crypto.

Delegare is built with a **dual-rail architecture**, allowing agents to settle payments through the most efficient path available—whether that's traditional fiat (Stripe) or decentralized finance (Base L2).

## What are Dual-Rails?

When a merchant integrates Delegare, they can choose to accept payments via:

1. **The Fiat Rail (Stripe):** Traditional credit card and bank transfer settlement. Best for businesses that need to keep their accounting in USD/EUR.
2. **The Crypto Rail (Base):** USDC settlement on the Base Layer 2 network. Best for low-fee, instant global settlement.

## Automatic Failover

One of the core benefits of the dual-rail system is **automatic failover**. If a user has both a card and a wallet connected:

* The Vault will attempt the merchant's preferred rail first.
* If the preferred rail fails (e.g., insufficient crypto balance or a declined card), the Vault can automatically attempt to settle on the secondary rail.
* This ensures that agents can complete their tasks with the highest possible success rate.

## Merchant Experience

Merchants don't need to manage multiple complex integrations. The Delegare API abstracts the rail complexity:

* You call one `/charge` endpoint.
* You receive one unified webhook for payment success.
* You can view all transactions (fiat and crypto) in a single unified [Dashboard](https://app.delegare.dev).

## Low Fees

By leveraging Base L2 for crypto payments, Delegare makes AI micro-payments economically viable:

* **Under \$1.00:** 3% of the transaction amount, with a **minimum of 0.5¢** (which covers all Base network gas costs).
* **\$1.00 and above:** A flat fee of **3¢ per transaction**, significantly lower than traditional payment processors.