ArcIq

ArcIQ is a decentralized credit intelligence protocol built on Arc Network that transforms user forecasting ability into borrowing power. Traditional DeFi lending protocols rely entirely on collateral, meaning every user gets the same borrowing terms regardless of their financial behavior or market understanding. ArcIQ introduces a smarter model where users can improve their creditworthiness through accurate participation in prediction markets. Users deposit stablecoins as collateral and participate in prediction markets on financial events such as asset prices or market outcomes. Based on the accuracy of their predictions, ArcIQ assigns each user an onchain reputation score. This score directly affects the user’s loan-to-value ratio, allowing users with stronger forecasting records to unlock better borrowing terms and greater capital efficiency. By combining prediction markets, reputation scoring, and lending, ArcIQ creates a system where financial intelligence becomes a measurable asset. This encourages informed participation while making decentralized lending more dynamic and inclusive. Built on Arc’s stablecoin-native infrastructure, ArcIQ leverages predictable fees, transparent execution, and programmable lending logic to create a new kind of onchain credit system. Rather than relying solely on deposited capital, ArcIQ rewards users for making better financial decisions. ArcIQ’s vision is to build a decentralized reputation layer where intelligence enhances access to capital, creating a future where borrowing power is earned not just through assets, but through demonstrated financial insight.