SubGuard

SubGuard solves the escalating problem of "subscription leakage"-the significant monthly loss from forgotten trials and dormant services. Built for the Arc L1 Hackathon, SubGuard acts as an autonomous financial guardian for your high-fidelity payment operations. The Innovation: By combining Circle’s Programmable Wallets with Google’s Gemini AI, SubGuard implements a "Zero-Trust" approach to recurring payments. The platform generates merchant-specific virtual shield cards that the AI agent can dynamically freeze, or limit based on real-time usage data. How it works: When a renewal is detected, the AI agent analyzes service activity (logins, API usage, or streaming history). If usage falls below a critical threshold, the agent automatically revokes the payment authorization on the blockchain, ensuring your USDC remains securely under your control. The Impact: SubGuard transforms passive tracking into active, autonomous protection. It leverages the speed and low cost of Arc L1 to provide institutional-grade security for everyday subscription management, ensuring users only pay for the value they actually consume.