Circle on Whatsapp

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.