> ## Documentation Index
> Fetch the complete documentation index at: https://docs.arc.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Borrow and lend

> Build collateralized lending protocols on Arc with instant settlement, native USDC borrowing, and programmable liquidation.

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](/arc/concepts/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](/build/prediction-markets). For stablecoin exchange
infrastructure, see [Stablecoin FX](/build/stablecoin-fx).

## Sample apps

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

<Columns cols={1}>
  <Card title="Arc DeFi lend and borrow" icon="building-columns" href="https://github.com/circlefin/arc-defi-lend-borrow">
    Lending against collateral on Arc: deposit cirBTC and borrow USDC against it
    using a custom lending smart contract, Circle Modular Wallets, and Supabase.
  </Card>
</Columns>

## Quickstarts

Get up and running with lending contracts in minutes.

<Columns cols={2}>
  <Card title="Deploy on Arc" icon="rocket" href="/arc/tutorials/deploy-on-arc">
    **Beginner**. Deploy, test, and interact with a Solidity smart contract on
    Arc using Foundry.
  </Card>

  <Card title="Batch USDC transfers" icon="layer-group" href="/arc/tutorials/batch-usdc-transfers">
    **Intermediate**. Execute multiple USDC transfers in a single
    transaction—useful for pool distributions and bulk repayments.
  </Card>
</Columns>

## Why build lending on Arc

Arc is purpose-built for stablecoin finance. These capabilities directly support
lending and borrowing applications.

<AccordionGroup>
  <Accordion title="Instant collateral confirmation">
    [Deterministic finality](/arc/concepts/deterministic-finality) confirms
    collateral deposits and repayments in under a second, reducing the window
    during which positions can become eligible for liquidation.
  </Accordion>

  <Accordion title="Native USDC borrowing">
    USDC is Arc's native settlement currency—no wrapping, synthetic pools, or
    bridging overhead. See [contract
    addresses](/arc/references/contract-addresses) for USDC token details.
  </Accordion>

  <Accordion title="Stable, predictable gas">
    USDC-denominated gas removes fee volatility from liquidation calculations.
    Liquidators can model profitability precisely. See [gas and
    fees](/arc/references/gas-and-fees) for current rates.
  </Accordion>

  <Accordion title="Batched liquidations">
    [Batched transactions](/arc/concepts/batched-transactions) let liquidators
    bundle collateral seizure and repayment into a single atomic transaction,
    reducing gas overhead and liquidation complexity.
  </Accordion>

  <Accordion title="Oracle price feeds">
    Integrate Chronicle, Chainlink, or other providers from the
    [oracles](/arc/tools/oracles) page to price collateral accurately for
    loan-to-value enforcement.
  </Accordion>

  <Accordion title="Standard EVM tooling">
    Solidity lending contracts deploy unchanged on Arc. See [EVM
    compatibility](/arc/references/evm-differences) for differences to check
    before deploying.
  </Accordion>
</AccordionGroup>