Circle Launches Arc Infrastructure to Help Banks Scale Stablecoins

馃彟 Banks get stablecoin rails

By Circle
Apr 2, 2026, 2:48 PM
twitter

Circle has introduced Arc, a new infrastructure layer designed to help banks adopt and scale USDC and EURC stablecoins within regulated financial markets.​

Key features of Arc:

  • Known validators for transparency
  • Deterministic finality (~1 second settlement)
  • Governance controls for institutional oversight
  • Predictable transaction fees denominated in USDC

The platform addresses critical banking concerns around capital treatment, operational resilience, and settlement finality - factors that significantly impact how banks can deploy stablecoins regardless of the underlying asset.​

Arc aims to serve as infrastructure connecting regulated stablecoins, applications, and institutions into a unified system.​ Over 100 partners are already building and testing on the platform.​

More details: Circle's announcement

Sources

The same stablecoin can produce very different outcomes for banks depending on the rails behind it. That鈥檚 because bank adoption is shaped not just by the asset itself, but by capital treatment, governance, operational resilience, and settlement finality. @Arc is designed to

192
Reply
Read more about Circle

The Evolution of Value Movement and Work in Web3

**The Convergence of Value and Work** Two fundamental shifts are happening simultaneously in the digital economy: - How value moves between parties - How work gets organized and completed **Why the Connection Matters** According to @jerallaire, understanding the relationship between these two evolving systems is crucial. As blockchain technology reshapes value transfer, it's also transforming traditional work structures and organizational models. The intersection of these changes could redefine how we think about compensation, collaboration, and economic participation in digital spaces.

Circle Nanopayments Solves Sub-Cent Transaction Problem with Offchain Aggregation

**Circle Nanopayments** addresses a critical infrastructure gap for AI agent transactions by eliminating per-payment gas costs. **The Problem:** - Sub-cent payments fail when competing in traditional mempools - AI agents need to transact at fractions of a cent per API call, inference, or compute cycle - Traditional blockchain rails can't support this volume economically **The Solution:** - Agents sign **EIP-3009 authorizations** - Thousands of payments aggregate **offchain** - Batched settlement writes to chain - **Zero per-payment gas cost** - Near-instant confirmation with onchain finality **Built for:** - x402 protocol compatibility - Agentic-scale economic activity - USDC transfers as small as $0.000001 The system is live on testnet and designed specifically for machine-to-machine payments, pay-per-call APIs, and real-time compute billing. Learn more: [Circle Nanopayments](http://www.circle.com/blog/a-deep-dive-into-circle-nanopayments-gas-free-usdc-transfers)

AI Agents Could Fundamentally Reshape Corporate Organization and Economic Coordination

**Agentic AI is poised to transform economic coordination**, according to remarks at the Economic Club of New York. **Key implications:** - AI agents acting independently could lead to more efficient organizational structures - New corporate operating models may emerge as coordination mechanisms evolve - This represents a shift from AI as a tool to AI as an economic participant **The broader context:** As AI agents gain autonomy, they're moving beyond passive tools toward active participants in economic systems, potentially ushering in a new economic reality.

馃敆 USDC Expands to Pharos

Circle is bringing USDC and its Cross-Chain Transfer Protocol (CCTP) to Pharos Network, a layer-1 blockchain focused on tokenized real-world assets and institutional DeFi. **Key capabilities:** - USDC as settlement, trading, and collateral asset across Pharos applications - CCTP enables seamless USDC transfers between Pharos and other supported blockchains - Support for tokenized RWAs, compliant onchain finance, and stablecoin payments This integration follows similar recent expansions to Injective, Morph Network, and EDGE Chain. CCTP has seen significant adoption, with $31B in USDC moved via the protocol in Q3 alone鈥攔epresenting 740% year-over-year growth. USDC is now supported natively on 32+ blockchains with CCTP enabling secure transfers across 21+ chains.