Cycles Pay is the only on-chain invoicing and payment app that provides private transactions along with multi-user access controls. We use ZK proofs and a shielded pool to keep transaction details confidential, including amounts, counterparties, and account balances. But that doesn't mean only one user can access this data: businesses can give multiple users access to an account. Team members can view transaction history and contacts, and queue payments for the account admin to approve and the admin authorizes the transfers. This also allows businesses to grant access to external accountants or auditors who need to review financial records, without giving them control over funds.

> be ledger. > work with cryptobilis. authorized reseller. > except the box that are send are not the box that left the factory. > someone in that chain opens it and plants a second board. > the secure element is left alone on purpose. genuine check still says yes. > the implant is on the display line, the spi bus, and listens. > when you set the device up, the 24 words scroll on the screen. > the bug reads the button presses, rebuilds the phrase, and ships it out over lte. > the device sent you seed phrase to someone else. result: someone has your seed. they wait until the balance is fat, then sweep btc, eth, and tron from a wallet they control. on-chain trace today: about $87m sitting across 98 addresses labeled ledger user theft. 16.8k eth, 211 btc, plus usdt and usdd. ledger has confirmed the reseller. sales paused. if you bought from cryptobilis in the last 90 days, do not even turn it on. if you already did, the seed is burned. move what is left to a new device and a new phrase you generated yourself.

The rebirth of Prop 16? Are we going full circle or what? 👀 mintscan.io/cosmos/proposals…

I'm in waitlist.jumper.xyz/r/JMP-31…

Me listening to a couple of normal people talk about cryptocurrency

You can use Cycles Pay to invoice & receive payments without asking anyone to use Cycles Pay themselves. Every Cycles Pay account comes with an EVM address that anyone can send stablecoins to, even if the sender doesn’t have a Cycles Pay account. They don't have to sign up for anything or install any extra apps, they simply send funds from whatever wallet or exchange they already use, and the money automatically arrives in your Cycles Pay balance. The balance sits inside a shielded pool in an encrypted state. Amounts and counterparties stay hidden on-chain, so how much you're being paid and who is paying you stay confidential.

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The Cycles Pay app is available anywhere in the world, and brings together a set of features that you won’t find anywhere else (private transactions combined with a return on your balance, supported by AI account assistants that you can instruct in plain English). All of them will be live on @arc on day one of its mainnet launch (Sep, 16). In parallel to those features, we’re working on a new type of credit product that we intend to launch in LATAM first. Businesses there typically invoice on 30-60 day terms, but many can’t afford to wait that long to get paid, so they go looking for working capital. Banks price loans based on collateral and audited accounts, which a small business often doesn't have. Factoring exists, but it’s only available to a small percentage of businesses that need it (mainly the ones with big-name buyers on the other side). So small businesses are often forced to use informal lending services with high interest rates. Cycles Pay will offer multiple solutions to this. The first is dynamic pricing on invoices, with no lending involved. A supplier issues an invoice with a discount ladder attached, incentivizing the buyer to pay early for a small discount, or get charged a fee for paying late. This helps the supplier get access to working capital faster. The second step is actual credit, powered by Cycles’ graph. Businesses invoice each other via Cycles Pay, and obligations and payment history get tracked in the graph so that loan underwriting can then happen based on activity in the network (instead of collateral and audited accounts).

We’ve just passed our first SOC 2 Type I audit. An external auditor examined our data practices around security, availability, processing integrity, confidentiality, and privacy, and concluded that we met all the requirements. We did it primarily for Cycles Prime, our institutional product. This was an important step in providing assurance to enterprise customers that our system meets all industry standards when it comes to data protection. Cycles Pay (try it today below if you haven’t yet) and Cycles Prime are the first two products built on our general purpose privacy-preserving clearing protocol. But of course, we expect to see many more types of apps built on top of the obligation graph in the near future.

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We were silent lately, but that silence is loud! 👉🏻 nolus.io/blog/2026-8-changel…

As far as we can tell, Cycles Pay is still the first payment app to offer both fully private transactions and a return on idle funds. Balances are stored in an encrypted state, inside a shielded pool. Every time a payment is made, a ZK proof gets verified to confirm the transaction is valid, and the amount and counterparty stay hidden. In the meantime, idle funds can be moved to vaults that automatically allocate (and frequently rebalance) across popular DeFi protocols like Aave, Morpho, Arcadia, etc. to achieve optimal risk-adjusted returns. Payments can be made straight from vault balances, so there's no withdrawal or unlocking step required before spending.

Well, I guess it was a good run so far 📉

The Cycles Pay app will integrate AI agents on @arc Users will be able to connect their Cycles account to the agent, and choose what set of permissions to give it. Permissions can be revoked at any time. The “read” permissions let the agent see balances, invoices, contacts, addresses, and transaction history. The “write” permissions let it queue invoices and payments, but without actually executing them. Users will still authorize the transactions with biometrics. Within those limits, the agent does most of the work: - Draft and edit invoices - Pull up incoming invoices (to see how much is owed and when it’s due) - Answer questions about revenues over a specific time period - Queue a movement of funds between accounts - Tell how much has been earned via DeFi strategies - Schedule reminders and payments - Send notifications when anything happens in an account Cycles agents will be big productivity boosters, without putting funds at risk. They’re currently in private beta, but are coming to the public beta this month.

We're working on integrating AI agents in the Cycles Pay app. The first step is to add MCP support so our users can use ChatGPT, Claude, Gemini, etc. to interact with their account. They’ll be able to use natural conversation to perform actions like making payments and sending invoices. For example: "Send a $1000 invoice to finance@bizco.com for consulting services, due August 31st" Because most business payment work is simple and repetitive (make a payment, send an invoice, follow up on ones that are late, etc.), we think agent interaction is where most apps are headed. It allows users to quickly perform multiple actions with a single prompt, by simply describing what they want. Even better, we’ll be able to build agents into Slack, Whatsapp, Telegram, etc. and have them perform that work directly in these apps. This is currently in development, expect to see a beta release soon.

Arc 🤝 @cyclesmoney Cycles is bringing its multilateral clearing network to Arc, using USDC as the settlement asset for netted B2B payment obligations. Instead of settling every obligation one by one, Cycles nets them down and settles the residual on Arc. This brings: → A new settlement category on Arc: clearing and obligation netting → USDC settlement for B2B payment flows → Cycles is led by Cosmos co-founder Ethan Buchman Arc is built to support real economic activity, from payments and treasury to new forms of onchain clearing. More to come.

We released a new version of the Cycles Pay app, which comes with expense splitting for personal accounts. If you've ever used Splitwise, it works similarly. You can add users to a group (such as a vacation, a household, or a night out), log who paid for what, and Cycles Pay tracks who owes whom across the group. Balances keep earning yield the whole time debts are outstanding, so everyone's money stays productive. When it’s time to settle, Cycles runs clearing first, identifying where obligations cancel each other out so that less money actually has to move. The settlement happens right in the app in stablecoins, with no geographic restrictions (unlike Splitwise & other such apps where users have to switch to another app to send a payment). For us, this is another small step toward building the first on-chain clearing network. Every expense logged is an obligation recorded in the graph, and the more obligations we track, the more of them cancel out. Over time, the network activity will allow us to build very powerful features like direct SME to SME credit.