Circle's Arc Blockchain Launches with 100+ Partners Building Internet Financial Infrastructure

🏗️ Circle's new blockchain

By Circle
Feb 23, 2026, 2:40 PM
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Photo by Circle

Circle has unveiled Arc, a new blockchain network designed as infrastructure for the emerging Internet Financial System.​ The platform goes beyond stablecoins to create a unified layer connecting regulated digital assets, applications, and institutions.​

Key Technical Features:

  • Deterministic ~1 second finality for fast settlement
  • Transaction fees denominated in USDC for predictable costs
  • Built specifically for institutional and AI-native financial workflows

Early Traction: Over 100 partners are already building and testing on the network, signaling institutional interest in the infrastructure layer.​

Strategic Context: Arc represents Circle's evolution from stablecoin issuer to full-stack financial infrastructure provider.​ The platform aims to serve as the "Economic OS for the internet," uniting programmable money with real-world economic activity.​ This follows USDC processing nearly $10T in onchain transaction volume in Q3 2025 and expanding to 30 blockchains.​

The launch comes as regulatory clarity has accelerated institutional adoption of digital assets across payments, treasury, and capital markets.​

Sources

The internet financial system isn’t built with a single product. It’s built with layers that reinforce each other. → Trusted digital assets power value. → Applications turn that value into real workflows. → @Arc unites programmable money and onchain innovation with real-world

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Arc represents a shift beyond stablecoins alone. As finance and economic coordination move onto the internet, Arc provides the infrastructure layer that connects regulated stablecoins, applications, and institutions into a single system. → Deterministic ~1s finality →

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Arc was designed in 2025 to become the Economic OS for the internet. → Designed for deterministic sub-second finality → @USDC as native gas with predictable, fiat-denominated fees → Built for institutions, developers, and AI-native financial workflows → Backed by a growing

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USDC’s multichain expansion accelerated in 2025. → Natively available on 30 blockchains → 14 new networks added in a single year → Built to meet institutional scale and reliability requirements The goal wasn’t just reach. It was usability. CCTP, Gateway, and xReserve work

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How can stablecoins expand financial access for the world’s most underserved? Circle’s Chief Strategic Engagement Officer, Elisabeth Carpenter, shared her perspective with the World Economic Forum, exploring how regulated stablecoins are already being used to widen access to

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Trust is the foundation of any financial system. As regulatory clarity accelerated in 2025, institutions increasingly looked for digital assets that could operate inside clear, enforceable rules. Circle was already built for that environment, with fully reserved stablecoins,

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Read more about Circle

Circle Integrates AI Across Product Development, Sees Real Acceleration

Circle is integrating AI throughout its product development, engineering, and deployment processes, reporting tangible acceleration in product velocity. This follows recent statements from CEO Jeremy Allaire about building internet financial infrastructure at the intersection of AI, stablecoins, and blockchains. The company anticipates AI agents will drive exponential growth and dramatically increase the velocity of money through autonomous transactions. Circle positions itself as creating the foundational economic infrastructure needed for this emerging era of AI-driven commerce.

Circle Enables AI Agents to Execute Autonomous Cross-Chain USDC Transactions

Circle is building infrastructure for AI agents to autonomously conduct cross-chain USDC transactions at near-zero cost through Circle Gateway capabilities. **Key developments:** - AI agents can now execute autonomous transactions using USDC across different blockchains - Circle Gateway enables these cross-chain operations with minimal fees - The company hosted an agent-only hackathon to advance development - Circle joined the [Agentic AI Foundation](https://aaif.io/press/agentic-ai-foundation-welcomes-97-new-members-as-demand-for-open-collaborative-agent-standardization-increases/?utm_content=370951859&utm_medium=social&utm_source=linkedin&hss_channel=lcp-111268938) to support open standards **Technical approach:** Circle is integrating Gateway with x402, an open payment protocol designed for agent transactions. The company is also working with Google on Agent2Agent (A2A) and contributing to the Agent Payments Protocol (AP2). The infrastructure aims to create new monetization models by enabling machine-to-machine micropayments using programmable, internet-native money that can move globally in real time.

Cross-Chain Transfer Protocol Enables Seamless Movement of Tokenized Assets

**Infrastructure development is advancing cross-chain capabilities** The Cross-Chain Transfer Protocol (CCTP) is being positioned as foundational infrastructure for moving tokenized assets between different blockchains. The protocol aims to enable: - Tokenized stocks and investment funds - Bank deposits - Stablecoins These assets can now transfer across different blockchain networks without friction. The development represents progress in blockchain interoperability—the ability for separate networks to communicate and exchange value. **Technical context** Previous work on blockchain interoperability, including Chainlink's Cross-Chain Interoperability Protocol (CCIP), has focused on allowing data and assets to flow between chains. The current CCTP development builds on these earlier efforts to create what developers describe as "highways for value movement." The protocol addresses a longstanding challenge in blockchain technology: isolated networks that couldn't easily exchange assets or information.

Circle Launches USDCx Stablecoin on Cardano via xReserve

Circle has launched **USDCx** on Cardano through its xReserve platform, bringing cross-chain USDC liquidity to the network. **What is USDCx?** - A stablecoin backed 1:1 by USDC held in Circle's xReserve - Enables payments, lending, trading, borrowing, and liquidity provision - Works without third-party bridges for trust-minimized transfers **Launch Partners** Three Cardano DeFi applications support USDCx at launch: Liqwid Finance, Minswap, and SundaeSwap. **Early Adopter Incentive** IOG is covering all bridging costs from USDC to USDCx for the first 10 days, removing fees for early users. Learn more: [Circle's announcement](http://www.circle.com/blog/usdcx-on-cardano-now-available-via-circle-xreserve)

Circle Launches Automated Crosschain Forwarding for Bridge Kit and Gateway

Circle Launches Automated Crosschain Forwarding for Bridge Kit and Gateway

Circle has launched its crosschain forwarding service for Bridge Kit and Gateway, expanding beyond the CCTP-only version released in January. **Key Features:** - Automates destination-chain execution for crosschain transfers - Reduces transfer times and operational costs - Lowers third-party risk through Circle's managed service **Supported Networks:** The service works with routes to Arbitrum, Avalanche, Base, Ethereum, HyperEVM, Ink, Linea, Monad, Optimism, Polygon, Sei, Sonic, Unichain, and World Chain. Additional blockchains are expected. **Developer Resources:** - [Bridge Kit forwarding tutorial](http://developers.circle.com/bridge-kit/tutorials/use-forwarding-service) - [Gateway forwarding reference](http://developers.circle.com/gateway/references/forwarding-service) This builds on Circle's January launch of forwarding for CCTP, extending automation capabilities across their broader product suite.