WhatsApp Agentic Financial Workspaces — a next-generation framework for conversational finance that allows individuals and teams to manage their entire financial life directly inside a WhatsApp chat. By combining AI automation, Circle’s USDC/EURC stablecoin infrastructure, and Kapso’s WhatsApp Cloud API, we transforms WhatsApp into a secure, AI-powered Financial Operating System (OS) on Arc's Gateway.

This Proof of Concept showcases how users can seamlessly send and receive payments, manage payroll, handle invoicing, pay utilities, open and track multi-chain wallets, and monitor business metrics — all through natural chat interactions. Under the hood, it integrates Anthropic Claude for intelligent financial conversation orchestration, Circle SDK for programmable stablecoin operations, and a serverless Cloudflare Workers deployment for global, low-latency access.

Using payment gateway users can sweep funds across all the wallets on testnet or mainnet for a unified USDC balance and being able to transfer cross-chain via the gateway contract to any recipient. We also support as can be seen in our packages/transfer-core split payments between different whatsapp numbers, ERC-681 payment link, gas, transfer, bridge, swap and other services and protocols built using USDCKit.

Our Whatsapp UI package is the base for beautiful future guiding principles for multi-party interactions were everything must be Native WhatsApp UI.

We have a separate modular architecture (Motora Open Finance Engine + Shiva SDK) that empowers developers to build and extend agentic financial workflows, proving the potential for stablecoin-first, AI-driven financial operations accessible to anyone with WhatsApp — the world’s most widely used communication platform with +3b ACTIVE USERS making it the best distribution channel for stablecoins in regions such as Latam and beyond.

AI Agents on Arc with USDC

AI + stablecoins on WhatsApp: agentic finance for SMEs and global teams—compliant, low-cost, real-time—tapping distribution channel of +3B active WhatsApp users.


POC - BUFI Whatsapp

Anthropic Claude

Anthropic

Circle on Whatsapp

Convoy Protocol is a decentralized escrow and pooling platform built on the Arc blockchain that empowers small businesses to access wholesale pricing typically reserved for large buyers. Using smart contracts and instant USDC settlement, Convoy enables multiple small buyers to pool their orders and collectively meet supplier minimum order quantities (MOQs). For example, instead of a single coffee shop overpaying 40–100% for a 30–50 lb order through distributors, twelve buyers can join a Convoy pool, each depositing around $187 in USDC. Once the $2,250 MOQ (500 lbs) is reached, the smart contract automatically releases funds to the supplier — guaranteeing transparency, trust, and 40% savings for each participant.

Beyond its core escrow functionality, Convoy introduces a robust AI-powered roadmap that elevates it beyond a simple pooling tool. The Pool Orchestrator AI Agent autonomously forms buyer groups based on real-time demand data, while additional agents handle tariff optimization, customs automation, and predictive supply chain rerouting. Together, these agents create a self-managing, intelligent procurement ecosystem.

The business model combines transaction fees (2–3%), premium listing subscriptions ($99–299/month), and lucrative add-on services like freight booking, customs clearance, and quality inspection — yielding 92% gross margins. In future phases, Convoy plans to integrate “Buy Now, Pay Later” financing, launch a freight booking API, and expand globally with EURC support and a CONVOY governance token.

By merging blockchain transparency, instant digital settlement, and autonomous AI agents, Convoy Protocol transforms fragmented small-buyer markets into powerful collective purchasers. The result is a scalable, data-driven supply chain network that delivers wholesale access, financial efficiency, and competitive parity to small businesses worldwide.

Smart contract escrow that pools small buyers together to hit wholesale MOQs, with instant USDC settlement on Arc blockchain.

convoy-protocol

Arc is an open Layer-1 blockchain that delivers the performance, reliability, and liquidity needed to meet global financial demands. Purpose-built for stablecoin finance and tokenization with USDC as native gas.

Pool-S-Crow

FLOE revolutionizes blockchain payments by combining Arc Testnet, Circle USDC/SDK, autonomous AI agents, and voice control into one seamless platform for real-world asset automation.

We built Agent-to-Agent (A2A) autonomous payments where Cloudflare LLaMA 3 AI agents automatically evaluate payment requests, analyze contract terms, check wallet balances, and execute transactions via Circle SDK—zero human intervention required.

Full CCTP integration enables seamless cross-chain USDC transfers between Arc Testnet, Base Sepolia, and Polygon. Multi-wallet management with Circle's Web3 Services SDK handles smart contract execution and real-time transaction polling.

Our Voice AI Assistant uses Cloudflare Whisper for speech-to-text, LLaMA 3 for conversational AI, and ElevenLabs for text-to-speech. Users control payments with natural language: "Show my wallets", "Create contract", "Send payment"—the AI navigates and executes instantly.

Real use case: Landlord creates $1000 monthly rent request → Enables A2A mode → Sends to tenant → Tenant's AI agent evaluates on due date → Checks wallet balance → Verifies contract terms → Auto-executes payment via Circle SDK → Landlord receives USDC on Arc Testnet. Completely autonomous.

Technical highlights: Request Center for payees to receive payments, A2A manual mode (agent evaluates, human executes), A2A auto mode (agent evaluates + executes), recurring payment scheduling, cross-chain CCTP transfers, voice-driven page navigation, production-ready smart contract execution on Arc Testnet.

Built with Arc Testnet, Circle USDC & SDK v1.1.1, CCTP, Cloudflare Workers AI, ElevenLabs, Node.js, React, TypeScript, PostgreSQL. Fully functional and ready for real-world RWA payment automation.

Voice-controlled AI agents that autonomously evaluate and execute cross-chain USDC payments on Arc Testnet using Circle SDK, CCTP, Cloudflare AI, and ElevenLabs. Real-world asset automation for rent, invoices, and subscriptions.

Floe

Llama 3.1 is an open-source, state-of-the-art large language model (LLM) by Meta AI. It’s optimized for advanced NLP tasks, offering various model sizes, and focuses on transparency, safety, and accessibility.

Llama 3.1

Meta is a US technology company that owns the social networks Facebook and Instagram, the instant messaging apps WhatsApp and Messenger, and the virtual reality device brand Meta Quest.

ElevenLabs

Run machine learning models, powered by serverless GPUs, on Cloudflare's global network with Workers AI - a serverless AI inference platform for building scalable AI applications at the edge.

Cloudflare Workers AI

Cloudflare is a leading connectivity cloud company that provides web infrastructure, security, and performance services including CDN, DDoS protection, DNS, and a comprehensive developer platform.

Cloudflare

Circle builds the financial infrastructure of the internet — the company behind USDC and a leading platform for stablecoin-based payments, wallets, and tokenization.

Circle

FLOE-Voice-Controlled Autonomous Payments

ArcFlux is an AI-powered payment automation platform for the Arc blockchain that enables recurring USDC payments via natural language. Users can say "Pay 50 USDC to Alice every week" or "Send 100 USDC to John for rent" through voice command and the system schedules and executes payments automatically. The platform uses multiple AI agents: a Payment Agent for intent parsing, a Guardian Agent for risk assessment, a Query Agent for analytics, and a Stock Agent for stock purchases. Every transaction is risk-scored before execution; high-risk payments are blocked. The platform supports recurring payments, one-time transfers, contact management, voice commands via ElevenLabs transcription, and automated stock purchases with AI recommendations. Users get a dashboard with spending analytics, transaction charts, and insights. Built with FastAPI and React, integrated with Circle Developer-Controlled Wallets on Arc Testnet, and powered by OpenAI api, MLAI API, and Circle's infrastructure. ArcFlux reduces manual work, prevents missed payments, and adds security through AI-powered risk assessment, making blockchain payments accessible through natural language.

AI-powered payment automation on Arc blockchain. Create recurring USDC payments using natural language with intelligent risk assessment, voice commands, and automated stock purchases.

ArcFlux

Explore the groundbreaking GPT-4 Vision, empowering AI to understand and process images, revolutionizing capabilities across diverse domains.

GPT-4 Vision

OpenAI is an AI research and deployment company

OpenAI

The AI/ML API provides advanced features like text completion, image inference, speech-to-text, and text-to-speech with seamless integration and secure API key management.

AI/ML API

Syuzhet is a speculative foresight platform where intuition becomes a tradable asset. It transforms unstructured research and ideas into structured, USDC-backed prediction markets that live on the Arc blockchain. Using Circle Wallets, users can easily create, long, short, or hedge predictions without crypto complexity. Each prediction behaves like a living, yield-bearing market—its value shaped by belief, participation, and evolving narratives—creating a new form of narrative liquidity where creativity drives capital flow. Built with Rust, Solidity, and advanced AI orchestration, Syuzhet merges finance, psychology, and decentralized infrastructure to let traders, creators, and AI agents monetize conviction itself—turning imagination into a financial instrument for the emerging foresight economy. Be the Michael Saylor of the Predictions Forecasting Markets with a narrative liquidity platform.

A speculative foresight economy where intuition becomes a liquid asset and imagination accrues yield.

Syuzhet

Unleash the potential of Streamlit for rapid deployment of data applications.

streamlit

Noemi is an integrated emotional resilience ecosystem designed for Gen Z and creative workers. At its core is a conversational AI agent that guides short daily practices of grounding, reflective mirroring, and cognitive reframing (System Check, Reboot Protocol, and Deep Dive sessions). Around the agent, we are building an educational media environment that includes documentary-style explainer films, guided audio practices, therapeutic talk-formats, and story-driven learning modules that make psychological self-awareness intuitive and culturally relevant. The project also includes community-based skill-building: weekly reflection circles, resilience challenges, collaborative “identity restoration” and anti-burnout marathons, and shared experiential practices that encourage presence and connection. Our focus is not only helping individuals cope, but teaching sustainable emotional self-regulation as a learnable skill. The goal is to make mental resilience accessible, aesthetic, communal, and continuous — not a service event, but a daily ritual supported by narrative, culture, and belonging

A conversational AI agent that guides short daily emotional resilience practices. Combines CBT/ACT micro-protocols, guided meditations, and a supportive community to help Gen Z and creatives manage stress and reconnect with identity.on Agent 

Noemi HERE

Grok by xAI, an AI chatbot by Elon Musk, integrates with X for real-time info, humor, and updates, rivaling ChatGPT with unique engagement.

Grok

xAI, founded by Elon Musk in July 2023, creates cutting-edge AI tools advancing science, understanding, and real-world problem-solving.

AI GENESIS

LARGEST AI HACKATHON IN THE MIDDLE EAST