Top Builders

Explore the top contributors showcasing the highest number of app submissions within our community.

Arc

Arc is a purpose-built, EVM-compatible Layer-1 blockchain advancing the frontier of stablecoin finance and tokenization. It features USDC as native gas, deterministic settlement finality, opt-in privacy, and a stable transaction fee architecture. Optimized for stablecoin-native use cases, such as global payments, FX, and capital markets, Arc serves as a foundational settlement layer for programmable money on the internet.

General
CompanyCircle Internet Group
WebsiteArc Network
Documentationhttps://www.arc.network/litepaper
TypeLayer-1 Blockchain
LaunchPublic Testnet Fall 2025, Mainnet Beta 2026
ConsensusMalachite (Byzantine Fault Tolerant)
CompatibilityEVM-Compatible

Core Architecture

Malachite Consensus Engine

  • High-performance Byzantine Fault Tolerant (BFT) consensus
  • Built on Tendermint algorithm with Rust implementation
  • Sub-second deterministic finality (under 350ms with 20 validators)
  • Performance up to 10,000 TPS with 4 validators
  • No probabilistic confirmations or chain reorganizations

USDC as Native Gas Token

  • Transaction fees paid directly in USDC stablecoin
  • Predictable, dollar-denominated costs for enterprises
  • Eliminates volatile crypto token exposure for gas payments
  • Enhanced EIP-1559 fee mechanism with weighted moving averages
  • Stable transaction fee architecture optimized for business use

EVM Compatibility

  • Full Ethereum Virtual Machine compatibility
  • Seamless migration of existing Ethereum applications
  • Support for existing developer tools and frameworks
  • Native integration with Solidity smart contracts

Key Features

Deterministic Settlement Finality

  • Transactions achieve irreversible finality in under 1 second
  • No risk of chain reorganizations or reversals
  • Guaranteed final settlement for enterprise applications
  • Superior to probabilistic finality models

Built-in FX Engine

  • Institutional-grade Request-for-Quote (RFQ) system
  • 24/7 on-chain foreign exchange and settlement
  • Payment-versus-Payment (PvP) atomic swaps
  • Support for multiple stablecoin pairs (USDC, EURC, etc.)
  • Perpetual futures markets for stablecoin trading

Opt-in Privacy Controls

  • Confidential transfers hiding transaction amounts
  • Addresses remain visible for compliance
  • View keys for selective disclosure to regulators/auditors
  • Trusted Execution Environment (TEE) implementation
  • Future support for MPC, FHE, and Zero-Knowledge proofs

MEV Mitigation

  • Classification of constructive vs. harmful MEV
  • Encrypted mempools to prevent front-running
  • Batch transaction processing
  • Multi-proposer mechanisms for fair ordering
  • Protection against sandwich attacks and value extraction

Enterprise Integration

Circle Platform Integration

  • Native support for Circle Payments Network (CPN)
  • Full integration with USDC, EURC, and USYC tokens
  • Circle Mint, Wallets, and Contracts compatibility
  • Cross-Chain Transfer Protocol (CCTP) support
  • Gateway interoperability service integration

Real-World Asset Tokenization

  • Support for tokenized equities, bonds, and securities
  • Private credit and institutional fund tokenization
  • Partnership with licensed asset issuers and custodians
  • Regulated real-world asset (RWA) framework
  • Compliance-ready tokenization infrastructure

Institutional Validator Network

  • Permissioned Proof-of-Authority consensus initially
  • Hand-selected institutional validators
  • Geographic distribution of validator nodes
  • High compliance and regulatory standards
  • Future transition to broader validator participation

Use Cases

Global Payments & Remittances

  • Cross-border payments with instant settlement
  • Reduced intermediary costs and complexity
  • 24/7 operation independent of banking hours
  • Multi-currency stablecoin support

Capital Markets & Trading

  • Institutional trading settlement
  • Tokenized securities and derivatives
  • Automated delivery-versus-payment (DvP)
  • Real-time collateral management

Foreign Exchange

  • On-chain FX trading and settlement
  • Stablecoin pair perpetual futures
  • Institutional-grade price discovery
  • Automated currency conversion

Treasury Management

  • AI-powered treasury optimization
  • Yield-bearing stablecoin integration (USYC)
  • Programmable finance workflows
  • Automated compliance reporting

Technical Specifications

  • Throughput: 3,000-10,000 TPS depending on validator count
  • Finality: Sub-second (100-350ms) deterministic settlement
  • Consensus: Malachite BFT based on Tendermint
  • Virtual Machine: Ethereum Virtual Machine (EVM) compatible
  • Gas Token: USDC native gas payments
  • Privacy: Opt-in confidential transfers with compliance features
  • Interoperability: Cross-chain bridges and CCTP integration

Development Timeline

  • Private Testnet: August 2025 (launched)
  • Public Testnet: Fall 2025
  • Mainnet Beta: 2026
  • Full Production: TBD with community and regulatory readiness

Arc represents Circle's vision for a stablecoin-native financial infrastructure that bridges traditional finance with programmable blockchain technology, designed specifically for enterprise adoption and regulatory compliance.

Arc AI technology page Hackathon projects

Discover innovative solutions crafted with Arc AI technology page, developed by our community members during our engaging hackathons.

Recoverflow-Cross-border AR on autopilot.

Recoverflow-Cross-border AR on autopilot.

Problem. A Taipei SME stuck in Net 60 with a US buyer has no good options: Atradius takes 8 months and 30%, a US attorney costs more than the outstanding, and QuickBooks emails sound like Google Translate. Existing tools assume your CFO speaks American English in the buyer's timezone — false on the Taiwan→US corridor. Solution. Recoverflow is a 9-agent dunning system on Band (8 production + AAA Specialist via Day-65 dynamic peer discovery): Pre-flight 3-path routing (in_spot / lite / attorney_recommended), Investigator pattern-tagging replies, Diplomat cadence-aware emails, Tone Coach (Claude) blocking hostile + FDCPA-non-compliant language, Escalator on Day 65, Voice Agent via ElevenLabs ConvAI + Twilio, Concierge as Slack HITL choke point, Payment Agent settling Circle USDC on real ARC-TESTNET. Outstanding, not gross (D-038). A $47,300 gross invoice the lawyer rejects as "out of sweet spot" is $23,650 outstanding after a 50% deposit — exactly where we operate. Wired through 5 modules across 4 demo Beats including the demand letter. Tech. Python 3.12, Band SDK, Claude Sonnet 4.5 / Haiku 4.5, ElevenLabs ConvAI, Twilio, Circle Programmable Wallets on real ARC-TESTNET (5 verified on-chain tx), Slack HITL, Featherless, Chroma RAG (31 chunks via BGE), pytest 482-test suite. Demo highlights. - Beat 4 — Pre-flight 3-path routing on outstanding balance. - Beat 8 — Welfare 988 SOP: set_anomaly_halt(case_id, "welfare") fires BEFORE Concierge page (life before debt, 3 unit tests). - Beat 9-11 — 5 real Circle USDC tx settled in data/audit_trail.jsonl (475dcb1c…, c6b4fe6b…, 36e503b2…, 2bcfdc5b…, 496dc964…). Track 3 fit. FDCPA language gating, paylink-only demand letters (no AI-hardcoded SWIFT/IBAN), HITL on every outbound, deterministic checkout URLs, 988 priority over debt, ConvAI 16-reason escalation enum, full audit_trail.jsonl chain of custody.

Project Doomsday

Project Doomsday

Project Doomsday is an quality financial stress-testing engine that simulates how Black Swan events destroy company valuations in real-time. Enter any listed stock ticker — US or Indian; the system deploys a coordinated swarm of 5 AI agents powered by Google Gemini 2.0 Flash via Google AI Studio: 1. Intelligence Analyst: Executes 6 parallel search vectors (geopolitical, supply chain, financial, regulatory, technology, macro) using Tavily real-time search, then synthesizes findings into 6 specific, geolocated risk scenarios. 2. Bear Advocate: Prosecutes each risk with worst-case arguments, historical precedents, and quantified impact estimates. 3. Bull Advocate: Challenges evidence, presents mitigating factors, argues market pricing efficiency. 4. Fracture Judge: Delivers calibrated verdicts (8+ = catastrophic, 6-7 = material, <4 = dismissed) with final severity and probability scores at low temperature for high-conviction decisions. 5. Contagion Modeler: Traces how primary shocks cascade into second, third, and fourth-order effects through credit linkages, supplier networks, and investor psychology. Validated risks are plotted on a global fracture map with curved convergence lines showing geographic vulnerability concentration toward company HQ. The valuation engine uses 5-path context-aware routing — P/BV for banks (debt is their product), EV/Revenue for high-growth (negative FCF breaks DCF), normalized EBITDA for cyclicals (spot earnings mislead at peaks), full DCF only for mature profitable companies, and capped revenue multiples for loss-makers. Base fair value is market-anchored, then stressed through revenue haircuts, margin compression, multiple de-rating, and WACC premium injection. A chaos slider (0-100%) lets users sweep from mild headwinds to full systemic doomsday instantly without re-running the AI pipeline. Every calculation is transparent — full audit trail showing routing logic, formulas with numbers plugged in, and stress decomposition.