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Today we are proud to introduce @Arc, a new blockchain network purpose-built for stablecoin finance.
Arc is a step toward something I’ve been working on for years: building a real-world financial system that’s programmable, transparent, and global. One where the benefits of blockchains—openness, speed, and accessibility—can finally show up in everyday financial life.
But to understand why Arc feels so important to me, I want to share a bit of how I got here.
I studied finance at Cornell and spent time working at hedge funds and investment banks. That experience gave me a close look at how money moves through the global system. What stood out to me wasn’t the inefficiency – it was who the system served and who it left behind. The moment it became personal was when I tried sending money to my aunt in India. It should have been simple. Instead, it was slow, expensive, and unnecessarily complicated. That experience forced me to confront how outdated and exclusionary financial infrastructure really is.
It also pushed me into crypto. I joined a company building payment rails on the Bitcoin Lightning Network, trying to reimagine global payments from the ground up. The vision was bold, and I believed in it. But speed alone wasn’t enough. Without privacy, usability, and institutional trust, we were still far from something people could rely on at scale. That led me to start a company focused on privacy-preserving infrastructure. We wanted to build a foundation that made blockchains more secure, more human, and more capable of supporting real-world adoption.
That company was eventually acquired by @circle, where I’ve been working on how to bring stablecoin-based finance to individuals, developers, and institutions. That work has led to Arc. Arc is launching at a moment that feels uniquely aligned. The technology has matured. Institutions are leaning in. And the core building blocks—stablecoins, lending markets, and payment protocols—are in place. Arc isn’t trying to replace what came before. It’s here to complement it, with a purpose-built platform designed for performance, opt-in privacy and stablecoin-based financial use cases.
To me, Arc is a bet that now is the right time to lay the foundation for a more open, efficient, and inclusive financial system. A belief that stablecoins, paired with the right infrastructure, can open the door to a new category of finance, what we call StableFi. Not just for the crypto-native, but for people like my aunt who simply need a better way to move money and access financial tools.
Arc isn’t the finish line. It’s the starting point. I’m proud to be part of it, and I’m even more excited for what comes next. We’re still early, and there’s a lot to figure out. But the path feels clearer than ever. I’m excited to keep building, and even more excited to see what others create on Arc.
Introducing Arc, an open Layer-1 blockchain purpose-built for stablecoin finance.
From payments to FX to capital markets, Arc is the home for builders innovating with digital money and tokenized value on the internet.
Stablecoins have shown us what’s possible.
They’ve powered trillions in onchain transactions and unlocked a faster, more open financial system.
Arc is designed to provide an enterprise-grade foundation with the performance, reliability, and liquidity needed to scale stablecoin use cases worldwide.
Featuring:
✅ USDC as native gas
✅ Built-in FX engine
✅ Deterministic sub-second finality
✅ Opt-in privacy
✅ Full Circle platform integration
At its core is Malachite, a high-performance consensus engine developed by @informalinc that powers Arc with safety, liveness, and resilience at scale.
Arc expands the design space for stablecoins by uniting speed with certainty and delivering the native tooling needed to meet real-world business obligations.
Open and composable, Arc is designed to interoperate seamlessly with the broader multichain ecosystem.
Fully EVM-compatible, developers will be able to build on Arc using the same frameworks and tooling they know and trust.
Together, we’re laying the foundation to move stablecoin finance from early adoption to globally trusted infrastructure.
Arc will enter private testnet in the coming weeks, with public testnet expected this fall.
Read the litepaper → arcnetwork.xyz/litepaper
Join us in building the new internet financial system → arcnetwork.xyz
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Sanket Jain retweeted
I was skeptical but @Arc is legitimately a pleasant blockchain to use. Fast, USDC fees, EVM based. Hard not to like it.
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Progressive regulation will be enable portable user owned identity to exist for the first time. This will have insanely positive downstream effects for the adoption of all different types of digital assets and the emergence of net new venues and primitives.
🚨 LATEST: SEC Commissioner Hester Peirce says zero-knowledge proofs could verify compliance without collecting users’ personal data.
She warns current KYC/AML practices create “data haystacks.”
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Sanket Jain retweeted
last week @KashRazzaghi showcased how private assets will be deployed/managed on Arc
by this time next year, over 30% of assets deployed will be private
privacy will be a key driver for unlocking latent demand
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what are some apps building on @arc that I should try?
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Arc Portal is live.
The easiest place to start using Arc:
→ Create or fund wallets
→ Access earn opportunities with @Morpho
→ Swap assets including USDC for cirBTC
→ Manage agent wallets
→ Discover apps
→ View balances and activity
No tab-hopping across onramps, exchanges, wallets, and apps.
One entry point from first visit to first action.
portal.arc.io
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Sanket Jain retweeted
how a private stablecoin transfer should feel:
open your wallet. toggle private on and hit send. no one else can see it.
how it actually works on @arc :
configurable privacy at the protocol layer, encrypted state in hardware enclaves, master key threshold-split across validators, post-quantum from day one.
what each piece actually does ↓
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I kept coming back to this, particularly on multiplayer and commerce. In my opinion, agents won’t just shop in only existing markets, but rather make completely new ones possible.
Today humans are generally constrained by attention and coordination. Someone has to notice a need, express it, search, compare, negotiate and transact. If the potential value isn’t worth that effort, demand remains latent and assets or capacity remain “frozen.”
The internet lowered this threshold. Uber made idle cars and driver time marketable and Airbnb did the same for spare rooms. But each required a company to build a category-specific marketplace and aggregate enough liquidity to justify it.
Enormous amounts of economic activity never cross that threshold.
Agents can turn private preferences into persistent, executable policies. My agent might be authorized to buy a used EV below $50,000 if it meets my range, brand and condition requirements. Another agent might know its owner would sell theirs above $47,000, even though they never listed it. When those policies intersect, a market can form without either person shopping or selling.
That pattern could unlock markets for:
- Assets people would sell but never list
- Capacity that otherwise expires unused - appointments, freight space, hotel rooms or compute
- Outcomes that require several providers - an EV, financing, delivery and charger installation
- Supply that does not yet exist - a route or service that becomes viable once enough demand conditionally commits
At scale, agent mandates become an executable view of future demand. Suppliers can plan capacity, assemble new offerings or create supply against committed demand instead of inferring intent from clicks and ads.
The internet made certain assets marketable through category-specific platforms. Agents could make intent, assets and capacity programmable which allows markets to form on demand across the long tail of the economy.
Had many conversations this weekend re instinct / muse / consumer agents, key topics:
- Commerce is the obvious opportunity but unclear how to handle supply constrained markets (hot restaurant tables) vs demand constrained (people that need to fly to San Francisco tomorrow); auction + reverse auction is intuitive but doesn’t capture loyalty / spend / LTV / brand
- In a world where agents are the primary consumers what are their incentives? How do you market to them? What are their preferences and how distinct will they be from humans?
- Will the first breakout multiplayer pattern be agent to agent (instincts trusted friends) or agent inside human chats ?
- How do you design agents that increase social capital?
- What are the patterns for comparative advantage / agents hiring other agents and what are consumer preferences in terms of single vs many agent relationships?
If you’re building this space I’d love to hear from you / try your product .. I’m also curious to hear everyone’s views on the topics above.
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Sanket Jain retweeted
The technical premise of Arc sectors:
One network. One validator set. One finality model. Multiple execution lanes running in parallel, each purpose-built for a class of financial activity.
→ privacy sector — confidential EVM alongside public EVM
→ payment sector — hundreds of thousands of target tps for onchain stablecoin settlement
→ agent sector — policy-enforced agent actions with auditable trails
Your app gets confidentiality, payments-scale throughput, and public liquidity in the same call. Pretty cool!
In case you missed it, we announced Arc Sectors yesterday.
Building open programmable economic infrastructure is only achieved when you can support all types of financial activity.
Arc Sectors is an attempt at solving exactly this. We are currently focused on payments, privacy and agents. We would love your input while designing it, please reach out to me, @AdiSeredinschi or @chrisries to talk about it!
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In case you missed it, we announced Arc Sectors yesterday.
Building open programmable economic infrastructure is only achieved when you can support all types of financial activity.
Arc Sectors is an attempt at solving exactly this. We are currently focused on payments, privacy and agents. We would love your input while designing it, please reach out to me, @AdiSeredinschi or @chrisries to talk about it!
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Sanket Jain retweeted
Arc now fastest growing day 1 chain ever
24hrs:
- thousands of teams building
- 3000+ apps
- billions of API calls
- 9% of total ecosystem activity (150+ chains)
Token prices can be manipulated. Onchain volumes faked. Developer activity is the only real metric.
Nice work @arc @circle
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Sanket Jain retweeted
Dinari is bringing dShares™ to @Arc, Circle's Layer 1 for financial markets.
→ 700+ US stocks and ETFs
→ Buy with USDC, eligible dividends in USDC
→ Backed 1:1 by the underlying security
Tokenized equities and USDC. Live Day 1
Markets should not stop at the closing bell.
Arc Mainnet is live.
Arc launches as the Economic OS for the internet: an open platform for global markets, real-time value movement, tokenized assets, and agentic economic activity.
Arc is more than a blockchain.
It launches as a full-stack financial platform with assets, applications, interoperability, developer infrastructure, and Circle platform services live from day one.
Arc delivers USDC as native gas, deterministic sub-second finality, EVM compatibility, and institutional validators.
It integrates with Arc Studio, App Kits, Arc Portal, Circle Agent Stack, CCTP, Gateway, CPN, and StableFX.
A complete economic platform at genesis.
Arc launches with infrastructure for:
→ Agentic economic workflows
→ Lending and borrowing
→ Trading and liquidity
→ Onchain FX
→ Payments and settlement
→ Tokenized assets
→ Exchanges, wallets, custody, compliance, data, and developer tooling
190+ institutional and ecosystem builders are building across Arc.
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Sanket Jain retweeted
Arc launch going crazy already! $200m+ in!
Onchain yield on @arc, powered by Morpho
$220M+ is already put to work via Morpho Vaults curated by @SteakhouseFi @Bitwise @gauntlet_xyz @galaxyhq @Dialectic_Group @keyrock @kpk_io @AssetoFinance.
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Massive kudos to @chrisries and team on building this. Privacy is fundamental property of economic infrastructure.
.@blockjain just chatted about Arc Privacy Sector and demonstrated a private USDC transfer
The key takeaway: the UX for private transactions is as seamless as clicking a button
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The ARC token has been minted.
Circle is the first publicly traded company to mint a network token for a new blockchain.
This is a technical milestone in the Arc roadmap as the network explores a future transition from Proof of Authority toward Proof of Stake.
The minting of ARC does not represent any commitment to a public launch of the token.
ARC is not live, tradeable, available for public use, or active for staking, governance, fees, or utility. The Arc network remains Proof of Authority today. Future ARC functionality and activation remain subject to change.
Official ARC contract: explorer.arc.io/token/0xA12C…
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Sanket Jain retweeted
Every era of computing had a foundational layer.
The PC had the OS. the web had TCP/IP. mobile had iOS and android.
The intelligent, always-on economy both human and machine has been waiting for its own.
Today we launched it.
Arc Mainnet is live.
Arc launches as the Economic OS for the internet: an open platform for global markets, real-time value movement, tokenized assets, and agentic economic activity.
Arc is more than a blockchain.
It launches as a full-stack financial platform with assets, applications, interoperability, developer infrastructure, and Circle platform services live from day one.
Arc delivers USDC as native gas, deterministic sub-second finality, EVM compatibility, and institutional validators.
It integrates with Arc Studio, App Kits, Arc Portal, Circle Agent Stack, CCTP, Gateway, CPN, and StableFX.
A complete economic platform at genesis.
Arc launches with infrastructure for:
→ Agentic economic workflows
→ Lending and borrowing
→ Trading and liquidity
→ Onchain FX
→ Payments and settlement
→ Tokenized assets
→ Exchanges, wallets, custody, compliance, data, and developer tooling
190+ institutional and ecosystem builders are building across Arc.
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Sanket Jain retweeted
If the financial system were designed today, it would not run on batch settlement and banking hours.
It would work like the internet: open, programmable, instant, and global.
That is Arc.
Arc Mainnet is live today.
Read more here arc.io/blog/arc-economic-os-…
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