Twelve products that only exist because Arc settles money in under a second.

The agentic economy

• Heartbeat · AI agents that pay for their own computing from their own balance, and shut down when the money runs out. Anyone can top one up.
• Cascade · A job split into subcontracts, and sub-subcontracts, paid all at once when the whole thing is done, or refunded whole if any part fails.
• Upfront · Insurance that pays the claim the moment you file it, then checks. A false claim reverses itself.

The intelligent account

• Charter · You write the rules of a fund in plain English. They compile into limits the trading agent physically cannot break.
• Heir · A family balance that slowly passes to the people you name if you go quiet, and comes straight back when you touch your phone.
• Contest · Your idle money, auctioned between managers every minute on their posted promises. Miss the promise and the money leaves.

Global money and embedded finance

• Basket · Wages priced in what your month costs: rice, rent, fuel, school. When rice goes up, your pay goes up with it.
• Barangay · A town's own money, backed one for one by dollars, that circulates locally and slowly returns to the town if it sits still.
• Terms · Contracts with milestones. Your record of finished work follows you and earns you better terms with the next client.

Onchain credit and collateral

• Book · A company with no people has its books on chain, updated every second. A credit line is computed straight from them.
• Skim · Insurance on money in a vault, priced per second you are actually in it, paid from the yield.
• Lien · Borrow against everything you own without moving any of it. It stays staked, stays in the brokerage, stays earning.

One foundation

The twelve share four packages: a typed, non-throwing wrapper over Arc and Circle; a motion and numerals engine; a per-app identity system; and an open-state layer that makes every product real before a wallet is connected. A thirteenth product goes live in under an hour. That foundation is what a grant buys as much as any single app.

The ask

Each product carries its own draft figure on its pitch page. Together they are a portfolio for the Arc Builders Fund: one builder, twelve products, a foundation that compounds, and revenue in every contract. The first conversation decides which three to take to market first.