Settled on Arc Protocol powered by $CARDS
Built on Arc/Stocks and stables/Self custodial

Load any stock Send it to anyone Spend it anywhere

A card is value anyone can hold. Load it with any token on Arc, onchain stocks included, then share a claim link or send it to any address. Whoever holds it chooses the exit: pay online, swap onchain, or withdraw.

See how it works Live on Arc · gas in USDC · under one second to settle
cards ARC
Card value
$0.00
3.72 NVDA · marked live
•••• 7C4F NVDA · one claim
Built on Arc

Arc is Circle's open Layer 1 for stablecoin finance. Gas is paid in USDC, blocks settle in under a second, and every card is a self custodial vault living onchain. Anything that exists as a token on Arc can fund a card, from stablecoins to onchain stocks.

USDC gas <1s finality EVM
0+
Tokens loadable
0s
Finality on Arc
0
Ways to spend a card
0%
Self custodial

CARDS turns USDC NVDA EURC or any token on Arc into a spendable card. Hand it to a friend, a client, a team, a stranger. They pick how it leaves: pay swap withdraw and the contract enforces your rules.

One card · Three exits

They spend it
however they want.

A card is never locked into one use. Whoever holds it picks the exit and the value follows.

1

Pay online

Generate virtual card credentials and check out anywhere cards are accepted. If the card holds stocks, just enough is sold at the onchain price to settle. The rest stays untouched.

2

Swap onchain

Rotate the card from one token to another straight from the card, stocks into stables or the other way round. Routed through Arc liquidity, no account needed.

3

Withdraw anywhere

Sweep the full balance to any address on Arc in one action. It lands in the holder's own wallet as plain tokens. Done.

From zero to spendable

Four steps.
No forms. No waiting.

1

Mint a card

Pick a card type and a color. It becomes a self custodial vault contract on Arc.

gift · payroll · bounty · burner
2

Load any token

USDC, EURC, onchain stocks like NVDA or TSLA, or anything else on Arc. Mix several assets on one card.

stables · stocks · any Arc token
3

Share a link, or send to an address

Send a claim link or QR to anyone, or push the card straight to any wallet address. It stays an onchain object end to end.

cards.app/c/7C4F… · 0x9Ab0…
4

They choose the exit

Pay online, swap onchain, or withdraw. The card enforces your rules.

pay · swap · withdraw
Templates, not limits

A card for every use case.

Keep scrolling. Every rule is programmable, so combine them into whatever you need.

Gift

Gift Card

One claim, an optional message, and it returns to you if unclaimed.

100 USDC
Payroll

Payroll Card

Reloads every month, weekly spend cap, revocable by the issuer.

2,500 EURC
Bounty

Bounty Card

Multi claim: the first people to finish the task each claim a share.

0.42 NVDA
Allowance

Allowance Card

Drips in weekly, spend is capped, swap disabled. Perfect for family.

50 USDC / wk
Burner

Burner Card

One spend, then it destroys itself. Nothing to trace, nothing left.

40 USDC
Custom

Build your own

Start from a blank card and program every rule yourself.

∞
Programmable by design

Rules live on the card,
enforced onchain.

Expiry and clawback

Unclaimed or unspent positions return to the issuer automatically.

Spend limits

Cap by transaction, day, or week. The chain enforces it, not a policy.

Reloadable streams

Top up manually or stream shares in on a schedule, like an equity salary.

Multi claim

One card, many claimants. Airdrops, bounties, and team budgets.

Exit control

Enable or disable each path per card: pay, swap, withdraw. Lock a card to a single ticker if you want.

card "team offsite budget" {
  token: USDC,
  load: 4_000,
  claimants: 8,
  limit_per_day: 150,
  expires: "30d",
  clawback: true,
  exits: [pay, withdraw]
}
What goes on a card

If it lives on Arc,
it can fund a card.

A card vault holds ordinary tokens. No wrapper, no synthetic receipt, no special integration per asset. Whatever the holder claims is the real thing.

Stablecoins

USDC and EURC

The simplest card: a fixed amount that spends like cash. Gas on Arc is paid in USDC too, so a stablecoin card never needs a second token to move.

Onchain stocks

Tokenized equities

Load a card with tokenized stocks and the balance keeps its market exposure until it is spent. At checkout only the fraction needed to settle is sold, the rest stays as it is.

Any ERC-20

Whatever else you hold

Governance tokens, LP receipts, a project's own token. If it is a standard token on Arc, a card can hold it and the claim link works exactly the same.

Mixed

Several assets, one card

A card is a vault, not a single balance. Put stables and stocks side by side, cap each one differently, and let the holder decide what to use first.

The protocol token

$CARDS captures
what the cards earn.

Every card spend and every onchain swap pays a small protocol fee, collected in USDC. Stake $CARDS and you hold a claim on that fee stream: rewards accrue block by block and can be claimed at any time. Unstaking has a short cooldown so the pool stays honest.

Card activity
spend · swap
→
Protocol fee
collected in USDC
→
Staking pool
claimable by stakers

Revenue share

Staked $CARDS earns a pro rata share of protocol fees. Rewards land in USDC, so what you claim is not paid in more tokens.

Fee tiers

The more you stake, the lower the fee on your own cards, and the higher your batch mint ceiling for airdrops and payroll runs.

Listings and parameters

Stakers vote on which tokens the cards support, the fee schedule, and how the treasury splits between the pool and the build.

Card perks

Staking unlocks premium card designs, priority claim links, and early access to new card types before they open to everyone.

Read the mechanics

Fee levels and reward mechanics are set by governance and can change. Staking rewards depend entirely on protocol usage, so no return is promised or implied.

Your keys, your shares

Self custody,
end to end.

A card is a contract you control, not a balance we hold. No account to open, nothing to receive a card, and the tokens never sit on our books.

Cards are funded through a relay pool, so a card address is not trivially linked back to your main wallet onchain.

self custodial onchain rules relay funded no account to receive open source contracts

Put value in anyone's hands.

Your first card takes less than a minute. Load it with the stocks you already believe in.

Launch App
Settled on Arc Protocol powered by $CARDS