Lending Protocol · Arc

Borrow USDC against your Arc tokens

Arc Capital is a collateralized lending protocol on Arc, Circle's USDC-native chain. Lock a whitelisted token, draw instant USDC, and repay on a short fixed term. Automated, Relay-routed liquidation keeps the protocol solvent.

Web app liveStaking live
Open appStake USDC
Borrow
Preview
Collateral$70.00
A1,000 TOKEN
Loan to value71%
You receive50 USDC
Repay in 3 days51.50 USDC
Built on ArcUSDC native settlementRelay-powered liquidation1 / 3 / 7 day termsAutomated risk monitoringNon-custodial signingBuilt on ArcUSDC native settlementRelay-powered liquidation1 / 3 / 7 day termsAutomated risk monitoringNon-custodial signing
How it works

A loan in four steps, start to finish

01
Connect a wallet

MetaMask, Rabby or any WalletConnect wallet on Arc. USDC is the gas token, so one asset covers everything.

02
Lock collateral

Sign a single transfer of a whitelisted Arc token to the protocol treasury.

03
Borrow USDC

The protocol values your collateral by its live executable sale price and sends USDC straight to your wallet.

04
Repay and reclaim

Repay principal plus the term fee before the deadline and your collateral is returned automatically.

The protocol

Built to stay solvent, automatically

Continuous risk monitoring

A monitor reprices every open position against live market data and liquidates the moment a threshold is confirmed.

Automated liquidation and recovery

When collateral falls 25% below its opening market cap or the term expires, the position is settled and the collateral sold to USDC.

Relay-routed execution

Valuation and liquidation route through Relay, which always fills against the deepest liquidity available for the pair.

Non-custodial signing

You keep your keys. Every action is a single transaction you sign yourself; the protocol verifies it on-chain before acting.

Accepted collateral

Whitelisted tokens

These Arc tokens can be locked as collateral. Only tokens with at least $7,000 of pool liquidity qualify, so positions can always be settled.

Protocol stats

Live on-chain metrics

Read directly from the protocol database. Values start at zero ahead of launch.

Total USDC Lent
0
Loans Issued
0
Active Loans
0
Borrowers
0
Whitelisted Assets
0
USDC Recovered
0
Parameters

Terms, in plain numbers

Collateral buffer40% over the loan (~71% LTV)
Liquidation threshold25% market cap drop
Terms1d · 1% / 3d · 3% / 7d · 5%
Settlement assetUSDC (native)
Loan cap50 USDC to start — will be increased
Collateral eligibility≥ $7,000 pool liquidity
NetworkArc (5042)

Unlock liquidity without selling

Borrow against your tokens, or stake USDC and earn — both live now.

Launch appStake USDC