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Onchain lending on Arc uses a collateral-backed borrowing model: users lock crypto assets in a smart contract and borrow USDC against them. Arc’s deterministic finality settles collateral deposits and repayments in under a second, and its USDC-denominated gas gives liquidators and borrowers predictable, stable transaction costs—removing volatile fee overhead from interest rate and liquidation threshold calculations. For decentralized trading and speculative position markets, see Prediction markets. For stablecoin exchange infrastructure, see Stablecoin FX.

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Sample apps

Open-source examples on GitHub you can fork and customize.

Arc DeFi lend and borrow

Lending against collateral on Arc: deposit cirBTC and borrow USDC against it using a custom lending smart contract, Circle Modular Wallets, and Supabase.

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Quickstarts

Get up and running with lending contracts in minutes.

Deploy on Arc

Beginner. Deploy, test, and interact with a Solidity smart contract on Arc using Foundry.

Batch USDC transfers

Intermediate. Execute multiple USDC transfers in a single transaction—useful for pool distributions and bulk repayments.

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Why build lending on Arc

Arc is purpose-built for stablecoin finance. These capabilities directly support lending and borrowing applications.
Deterministic finality confirms collateral deposits and repayments in under a second, reducing the window during which positions can become eligible for liquidation.
USDC is Arc’s native settlement currency—no wrapping, synthetic pools, or bridging overhead. See contract addresses for USDC token details.
USDC-denominated gas removes fee volatility from liquidation calculations. Liquidators can model profitability precisely. See gas and fees for current rates.
Batched transactions let liquidators bundle collateral seizure and repayment into a single atomic transaction, reducing gas overhead and liquidation complexity.
Integrate Chronicle, Chainlink, or other providers from the oracles page to price collateral accurately for loan-to-value enforcement.
Solidity lending contracts deploy unchanged on Arc. See EVM compatibility for differences to check before deploying.