The Arc Privacy Whitepaper frames privacy as opt-in confidentiality for real-world financial workflows, not anonymity. The core message is confidentiality with oversight: giving applications a way to protect sensitive transaction data and private smart contract state when needed, while supporting governed visibility for authorized parties.
In this livestream, Circle will walk builders through the whitepaper and the design principles behind privacy on Arc. The discussion should cover why public-by-default transparency can limit use cases such as payroll, treasury operations, trading, lending, and swaps, how the Arc roadmap approaches confidential execution through ArcaneVM, and what developers should understand now while privacy functionality remains on the roadmap.
Arc’s privacy features reflect a proposed design that includes selective shielding of certain onchain data elements. The scope, functionality, and rollout timeline of the Arc privacy features are subject to change and may be modified, delayed, limited, or discontinued at any time in the sole discretion of Arc Network Services LLC. See Arc Privacy Sector: Keeping Blockchain State, Transactions, and Accounts Private and Quantum Safe for more.
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Arc is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws.
Arc has not been reviewed or approved by the New York State Department of Financial Services.
The product features described in these materials are for informational purposes only and may be modified, delayed, or cancelled without notice at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee, or investment advice.
USDC is issued by regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found here. https://t.co/HMce8Wt7cX #ArcHouse
Identity-Based Payments Are the Missing Layer for Stablecoin Adoption
Stablecoins have become one of crypto's biggest success stories.
But sending them is still harder than it should be.
The biggest obstacle isn't just awareness but It is user experience.
Think about how people share payment details today.
They exchange:
• Phone numbers
• Emails
• X handles
Not long wallet addresses. People think in identities not hexadecimal strings.
That's why identity-based payments matter, Instead of asking someone to copy and paste a wallet address, you simply send funds to an identity they already use online.
The experience feels familiar from day one. This is the approach @Xylonet_ is taking with #PayX.
Users can send USDC directly to an X handle, even if the recipient doesn't have a wallet yet.
The payment comes first then the Wallet setup can happen later.
That removes one of crypto's biggest onboarding hurdles.
No asking new users to:
: Create a wallet first
: Save a seed phrase immediately
: Copy long addresses
: Learn blockchain before receiving money
Imagine tipping a creator, paying a freelancer, rewarding a community member or sending money across borders using nothing more than an X username. That is a dramatically simpler payment experience right ? ✅️
Of course simplicity shouldn't come at the expense of security.
This is why Identity based payments still rely on secure claim mechanisms and blockchain settlement.
The goal isn't to replace blockchain security rather It's to hide unnecessary complexity.
Mass adoption won't happen because everyone learns wallet addresses. It will happen when payments feel as easy as sending a message.
That's the future XyloNet is building on @arc where identity becomes the gateway to seamless stablecoin payments.
Crypto has solved scalability but moving assets across chains is still too complicated.
We are still struggling with different wallets, different gas tokens, bridge risks and confusing user flows.
Crosschain UX remains crypto's biggest adoption barrier.
Most users don't care about blockchains,they just want their assets to move safely, quickly and without friction.
The chain should be invisible.
Today's bridging experience often requires multiple steps, extra gas and unnecessary complexity.
Every additional click increases the chance a user gives up. That's why interoperability matters.
Assets, liquidity and applications should move seamlessly across ecosystems instead of being trapped in silos.
The future is chain abstraction, native transfers and unified liquidity.
Users shouldn't think about bridges rather they should simply click once and get the outcome they want.
Mass adoption won't happen when people learn how crosschain infrastructure works.
It will happen when they no longer need to and these are the reasons why @Xylonet_ Building on @arc is a huge onchain revolution.
I am so excited about this collaboration between @Arc and @Xylonet_ because it combines two things that stablecoins need most:
1, Deep liquidity
2 Frictionless payments
Not more narratives but real infrastructure.
Arc is building a stablecoin-native DeFi ecosystem, this is a StableSwap AMM, CCTP V2 bridging, ERC-4626 vaults and a composable liquidity pools that is focused on USDC and EURC from day one.
That means capital can move efficiently while staying in stable assets.
But DeFi still has a usability problem. Users often need to bridge assets manually, Switch chains, Understand routing and Manage multiple wallets.
Most people never get past these steps.
This is where XyloNet becomes important. XyloNet focuses on making stablecoin movement feel invisible.
Users interact once while liquidity, routing and execution happen behind the scenes.
The goal is to have one experience and many chains.
Arc provides the liquidity layer while XyloNet provides the payment and execution layer.
Together they create a smoother path from a Stablecoin liquidity to Real-world payments
One of the most exciting examples is #PayX.
Imagine tipping any X account in USDC before that person even owns a wallet. No onboarding friction, No blockchain knowledge required. Just value moving as easily as information. 💪
This changes how people think about stablecoins. Instead of being assets you hold, they become tools you use. For payments, for rewards, for creators and for global transfers.
The bigger picture is that Arc is building stablecoin native financial rails.
And XyloNet is building programmable payment experiences on top of those rails.
Together they push stablecoins closer to mainstream adoption.
The future is not just more chains, It's making multiple chains feel like one network.
And partnerships like Arc and XyloNet are helping make that future possible.
A Stablecoin liquidity, Programmable payments and Better user experience.
These are where adoption starts.
Walk with me let's break down this powerful topic. 👇
Why the future of payments is programmable
The internet became powerful when information became programmable. The next leap happens when money becomes programmable.
Why do I say the future of payments is programmable 👇
1. Traditional payments were built for people.
A person clicks a bank processes and money arrives later.
But today's internet is increasingly powered by software, applications and AI. So payments need to evolve too.
2. Programmable payments allow money to move automatically when predefined conditions are met. This means that instant revenue sharing, real-time subscriptions, automated business logic and machine to machine payments.
Money becomes part of the application.
Stablecoins are making this possible. They are not just digital dollars. They are becoming internet native payment infrastructure to be global, always available, programmable and instant.
This unlocks experiences that were previously difficult or impossible. Experiences like Micropayments, pay-per-use services, Creator monetization and autonomous AI transactions.
New infrastructure creates new business models.
As AI agents become more capable they will need a way to transact, Pay for data, Pay for services and Pay for computation.
Programmable payments become essential for autonomous digital economies.
This is where @Xylonet_ comes in.
XyloNet helps make stablecoin movement seamless across fragmented ecosystems.
Users focus on moving value and the infrastructure handles the complexity.
Through XyloFacilitator applications can access unified payment flows without worrying about chains, bridges or fragmented liquidity.
The experience becomes simple and the infrastructure remains powerful.
The internet transformed communication by making information programmable.
Programmable payments are doing the same for value.
The future isn't just a connected internet, It's an economically connected internet.