We propose an “AI Content Wallet” platform that automates payments between users and digital content creators using USDC on Arc’s blockchain. Arc is a new EVM-compatible Layer-1 chain designed for stablecoin-native finance: it uses USDC as the native gas token (so fees are low, predictable, dollar-denominated) and delivers sub-second finality on transactions. In our use case, an AI agent (running off-chain in a TypeScript/Node or Cloudflare Workers environment) analyzes the user’s interests and consumption of generative content (e.g. articles, images, videos) and automatically triggers USDC micro-payments or subscription fees on Arc to the creators. By leveraging Arc’s stablecoin infrastructure and Circle’s developer wallet SDKs, this system can process tiny payments (e.g. $0.10–$1.00) in real time, with each transaction settling in under a second. Our AI Content Wallet addresses real challenges in the creator economy. It enables direct creator monetization: artists and writers can be paid instantly and cheaply by fans worldwide, without relying on ad revenues or platform intermediaries. Because Arc’s fees are stable and tiny, even $0.10 tips become viable. The use of USDC means creators in any country receive predictable USD-denominated income. This can be especially transformative in emerging markets (e.g. across Africa) where traditional payment rails are limited – stablecoins on Arc can bridge global audiences with local creators. By combining AI and blockchain, we also deliver personalization. An AI agent tailors content suggestions and payments to each user’s tastes, automating what would otherwise be manual subscription management. This increases user engagement and content value. For example, the agent might notice a user frequently reads science fiction stories and auto-subscribe them to a new sci-fi channel, paying the monthly fee when due. Such autonomy (AI agents managing budgets and payments) is precisely the future vision of agentic finance
8 Nov 2025
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