Akani Adewale@akaniooh

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.

In this hybrid hackathon powered by Arc and Circle, developers will build the next generation of Agentic economic applications using Circle’s Nanopayments infrastructure with settlement on Arc in USDC. For the first time, high-frequency, usage-based transactions between users, APIs, and AI agents can operate without gas overhead eroding margin. Arc provides stablecoin-native settlement with predictable, dollar-denominated USDC fees and deterministic, sub-second finality — enabling real-time coordination and economically viable per-action pricing at scale. 📅 April 20 – 26, 2026 • Apr 20 – 25 (Online): Submit projects by Apr 25. • Apr 25 (On-site Build – SF, CA): Teams refine projects. • Apr 26 (On-site Demos & Awards – SF, CA): Live pitches & winners announced. Get guidance from Arc and Circle experts through on-site support. 📍 On-site Venue (April 25-26): MindsDB SF AI Collective 3154 17th St, San Francisco, California, USA 🤝 Go solo or team up, it's your flow. 🏆 Compete for a $15,000+ Prize Pool. 📍 Please note: If approved for the on-site experience, you’ll also have the opportunity to showcase your project live. Travel and accommodation will not be covered. 🧑🏻‍💻 Secure your spot now – sign up before the Kick-Off Stream!