Acceptance confirms that you have read and agreed to the applicable terms, risk disclosures, and provider terms before using the service. You should not use Arc Portal if you don't agree with the Arc Portal Terms.
Arc Portal is provided by Circle Technology Services, LLC as a primary consumer entry point into the Arc ecosystem. Create or connect a wallet to send any supported asset you hold — including Circle stablecoins like USDC and EURC, cirBTC, and third-party tokens — swap between assets without leaving the app, put idle balances to work via integrated Earn opportunities, and track what you hold in one view. From Discover, you can browse the apps built on Arc, explore the assets available on the network (including Circle-issued stablecoins, tokenized real-world assets, and local-currency stablecoins), and discover agents that can handle routine tasks for you.
You can use Arc Portal by connecting a third-party wallet or by creating an Arc Portal wallet with your email address.
Arc Portal is available only in select countries and regions. Available features, assets, and providers vary by location and are enabled region by region. Availability is determined in part by our third-party providers and by compliance, sanctions, and local law requirements, and is subject to change. See "Will Arc Portal be available everywhere?" below.
Arc Portal uses Dynamic (see: Third-Party Integrations) to support connections to most major self-custody wallets, browser extension wallets, plus any mobile wallet that supports WalletConnect. Hardware wallets work through the extension you already pair them with. Select Connect wallet to see the wallets available to you, choose yours, and approve the connection and signature request; the signature is free and just proves you control the address. Arc Portal never takes custody of your funds and will never ask for your seed phrase or private key.
Arc Portal connects to self-custody wallets, which means you stay in control of your funds — and are responsible for them. Circle does not hold your private keys, cannot access your wallet, and cannot recover it or reverse a transaction for you. Keep your seed phrase and private keys safe and private; anyone who has them can control your funds. Before you approve anything, read the transaction details in your wallet carefully — the amount, the recipient, and what you're granting permission to do — and only sign when it matches what you intended.
An Arc Portal wallet is an embedded, self-custodial wallet that works only in Arc Portal. It's tied to your email address and can be funded from a card or bank account in Arc Portal.
Signing in again reaches the same wallet. Your wallet is tied to your email address, not to a particular device or browser. New computer, different browser, cleared browser data — sign in with the same email address and you'll reach the same wallet with the same assets. Signing in again does not create a second wallet.
Your assets are yours. The wallet is self-custodial. Circle cannot move your assets, cannot transact without you, and cannot reverse a transaction you've made.
Your email account is what protects your wallet. Signing in with a code sent to your email address is the only way to reach an Arc Portal wallet. Anyone who can receive email at that address can sign in and move your assets. Secure that email account as carefully as you would the wallet itself — use a strong, unique password and turn on two-factor authentication with your email provider.
If you lose access to that email account, the wallet cannot be recovered. Arc Portal wallets don't use a recovery phrase, and Circle has no other way to restore access to the wallet or the assets in it.
Arc Portal is how you reach your wallet, so while the page is down you won't be able to sign in or transact. Your assets are unaffected and stay in your wallet, and access returns as soon as the page is restored.
Arc Portal does not currently provide a native fiat offramp. See "How do I move my assets out of Arc Portal?" below.
You can use Send to transfer supported digital assets from your Arc Portal wallet or a connected wallet to another address on the same network. Send does not move assets between networks — an asset on Arc goes to an Arc address, an asset on Base goes to a Base address, and so on. Deposits are different: you can deposit USDC into Arc Portal from another supported network. See "How do crypto deposits from another network work?" below.
Your Arc Portal wallet is embedded in the Arc Portal, so to move assets out you will need a separate wallet that you control — for example, MetaMask or another EVM-compatible self-custody wallet. Set that wallet up first, add the network you are sending on so you can see the assets once they arrive, and copy its receiving address.
Make sure you hold enough of the network's fee asset to cover the transaction. On Arc, fees are paid in USDC rather than a separate gas token, so keep a small USDC balance; on other networks, fees are paid in that network's native token. Send a small test amount first to confirm it arrives before moving the rest.
Arc Portal does not currently provide a native fiat offramp or a way to withdraw digital assets directly to a bank account. If you transfer assets to a third-party service that supports conversion to fiat, that service's terms, fees, eligibility requirements, and availability apply.
Transactions on Arc require a network fee, paid in USDC. For certain supported flows in Arc Portal, that fee is currently paid on your behalf rather than deducted from your balance, and is displayed as "Covered," "Free," or $0.
Fee coverage applies only to supported flows, is not guaranteed, and may be changed, limited, or withdrawn at any time. Where coverage does not apply, the network fee is deducted from your USDC balance. Arc Portal reserves a portion of your USDC balance when you transact so a network fee can be paid if one is charged, which is why the maximum amount available to send or deposit may be slightly less than your total balance.
Fee coverage applies to the Arc network fee only. It does not cover third-party payment processing fees, provider fees, protocol or vault fees, or price differences on a swap.
Arc Portal shows the tokens you hold across supported networks, drawn from the same token list the Swap token selector uses. There are three common reasons a token you expect is not listed.
1. You are viewing a filtered list. The asset-type and network filters above your assets narrow what is displayed. Set the asset type to show all assets and the network to "All networks" to see everything. Filtering changes only what is shown, never what you hold.
2. The token has no balance. Only tokens you currently hold are listed. Supported tokens with a zero balance are not shown.
3. The token is not in the supported catalog. You can trade a token that is not listed by entering its contract address in the token search on the Swap page. Where the address resolves, the matching token is shown and can be selected for the swap.
Searching by contract address does not add the token to your Assets view. A custom token appears there only after you complete a transaction involving it.
The same contract address can correspond to a different token on each network it is deployed to, so confirm you have selected the network you intend.
A token that is not displayed is not lost. It remains at your address on the network and can be viewed and moved using a block explorer or another wallet that supports it.
Circle does not review, verify, or endorse any token available in Arc Portal, including tokens you add by contract address, and inclusion in the catalog is not an endorsement. Anyone can create a token and give it any name or symbol, including one that imitates a well-known asset. Obtain the contract address from a source you trust and confirm it before you transact — for tokens Circle issues, see Circle's published contract addresses for USDC, EURC and cirBTC.
cirBTC is a token issued by Circle that is backed by bitcoin held in custody, intended to represent bitcoin on supported networks, including Arc. Unlike the third-party assets and services accessible through Arc Portal, it is a Circle product, and Circle’s Wrapped Digital Assets Terms apply in addition to the Arc Portal Terms.
Redemption of cirBTC for bitcoin is available only to eligible participants through Circle Mint, subject to eligibility, verification, and the applicable Circle Mint terms. Holding cirBTC in Arc Portal does not give you the ability to redeem it for bitcoin, and Arc Portal does not offer redemption. You can hold, send, or swap cirBTC in Arc Portal where supported.
cirBTC is not a stablecoin. Its value moves with the price of bitcoin and may fall as well as rise.
Values shown in Arc Portal are estimates based on then-current digital asset values and may change. Amounts are displayed in US dollars, converted from your token balances using third-party pricing data at the time of display. Estimated values are for reference only and may differ from the amount you actually receive in a transaction.
No. Some features, assets, providers, or jurisdictions may be unavailable due to provider restrictions, compliance requirements, sanctions controls, local law, or operational limitations.
Debit card, Apple Pay, and Google Pay are available for USDC and EURC on Arc in the US, UK, select EU countries, and other countries worldwide. Enabling these methods requires completing KYB in the Circle Console.
Bank transfer is available for USDC on Arc in the US and select EU countries.
Credit cards aren’t supported.
When a fee is shown as “No fee,” “Covered,” “Waived,” or similar, Circle is paying that fee for you or it has been waived, and you won't be charged it. Other fees, spreads, network costs, bank/card charges, and provider limits may still apply unless expressly shown as covered. Coverage applies to supported Arc Portal flows and may change.
Bank transfers are processed by BVNK using a virtual account. Timing depends on the payment rail for your currency:
Transfer limits are set by the provider and currently range from the equivalent of 5 to 25,000 per transfer in the currency you send. Limits, timing, and availability are determined by BVNK and may change.
The account details shown in Arc Portal are generated for funding your wallet through BVNK. They are not a Circle bank account, and you should use them only as instructed in Arc Portal. Send only the currency shown for that account; sending a different currency, or sending from an account in a different name, may delay or prevent your transfer.
Your first five card purchases are covered. This is a one-time introductory offer — it does not reset each month.
On those first five purchases, Circle covers the Transak processing fee and the Arc network fee, and no minimum fee applies. You'll see the fee shown as $0 at checkout.
From your sixth purchase onward, the standard processing fee applies. It appears in your transaction summary before you confirm, so you see what you're paying before anything is charged.
Coverage does not extend to charges from your own bank or card issuer, or to currency conversion where you pay in a currency other than US dollars. Coverage applies to supported card purchases in the regions where buying USDC is available and can change over time; the current terms are shown at checkout.
No. Arc Portal displays certain available options, but Circle does not recommend, endorse, or evaluate whether any particular option is appropriate for you. Other options may be available through third-party services. You are responsible for reviewing the information, conducting your own research, and choosing whether to proceed. Arc Portal does not provide investment, financial, legal, or tax advice, and does not assess the suitability of any transaction, protocol, or strategy for your particular circumstances.
No. Circle does not provide tax, legal, or accounting advice, and nothing in Arc Portal or the Arc Help Center should be treated as such. Because Arc Portal connects to self-custody wallets rather than a Circle-held account, Circle is not in a position to issue tax forms for your onchain activity. You are responsible for determining how your transactions are treated in your jurisdiction and for meeting your own reporting obligations. We'd encourage you to consult a qualified tax professional about your specific situation.
Bridge on Arc
Yes. If you already hold an asset like cirBTC on another chain, you can bridge it onto Arc. From your Arc portal home, click Bridge to go straight to the transfer flow, then search for the asset you're moving (all Arc-supported assets are searchable, including cirBTC), pick the chain you're coming from, and confirm. Add funds → Transfer crypto takes you to the same place if you're already in that flow. Once the transfer completes, the asset appears in your Arc balance as the same asset you held before. Bridging runs on Circle's Cross-Chain Transfer Protocol (CCTP), which burns the asset on the chain you're leaving and mints it natively on Arc — so what lands in your account is the native asset, not a wrapped version of it.
Earn lets you earn with your USDC by depositing into third-party lending protocol options on Arc. Returns (or losses) are generated by the relevant protocol or rewards program, not by simply holding USDC in a wallet.
Some Earn vaults show a "Circle Guarded" chip. It means Circle holds a role called Sentinel in that vault, as defined by Morpho, the third-party protocol that operates it. Sentinel is a limited, safety-only role: Circle can cancel pending changes proposed by the vault's curator, reduce the vault's exposure caps, and move assets out of a lending market back to the vault's idle balance. A Sentinel can only act to reduce risk, it cannot add markets, set strategy, or create new exposure.
"Circle Guarded" does not mean Circle recommends or endorses the vault, has reviewed or approved its strategy, holds or controls your assets, or protects you against loss. Circle Guarded does not make Circle the counterparty, lender, creditor, broker, agent, or fiduciary, and imposes no obligation on Circle to monitor, manage, intervene in, or remediate any position. Your deposit sits in a third-party protocol, returns are not guaranteed, and you can lose assets. Circle holding a Sentinel role does not change that, and Circle is not obliged to intervene. See "Are returns guaranteed?" and "What should I review before depositing into Earn?" below.
Estimated APY means estimated annual percentage yield. It is an indicative, annualized calculation reflecting an estimated rate as of a specific date, and may be based on current or recent protocol conditions, historical data, third-party information, or another calculation method. It may not reflect actual returns. Rates are variable and subject to change.
Arc Portal displays estimated APY based on the data and calculation methodology of the underlying third-party lending protocol. Calculation methods may vary by protocol, market, or vault, so APYs shown for different opportunities may not be calculated in exactly the same way.
No. Returns are not guaranteed. You could receive less than expected or lose assets due to smart contract, protocol, market, liquidity, third-party, network, or other risks.
You should make an independent decision to use a protocol or vault based on your review of the third-party protocol information, estimated APY, fees, withdrawal limitations, asset exposure, protocol risks, and any third-party terms. Arc Portal does not determine which option is suitable for you.
Before depositing, review the protocol details carefully. You are choosing to interact with a third-party lending protocol, and Circle does not determine whether a protocol or vault is suitable for you. Make an independent decision based on your review of the third-party protocol information, estimated APY, fees, withdrawal limitations, asset exposure, protocol risks, and any third-party terms.
Withdrawals may depend on protocol liquidity, network conditions, protocol rules, and applicable terms. If available liquidity is limited, withdrawals may be delayed or unavailable until liquidity becomes available.
Each vault links to the third-party protocol's own detail page, where you can review its strategy, markets, fees, and terms. Following those links takes you out of Arc Portal and onto a third-party site that Circle does not operate. For the third-party terms that apply to each vault, see Lending Market Terms.
When a vault is being retired, it is marked "Withdraw only" in Arc Portal. It stops accepting new deposits, but your existing position stays visible and you can withdraw it in Arc Portal.
A vault may be retired for a range of reasons, including changes by the protocol or curator, or operational, legal, or compliance considerations.
Your position belongs to you and is held in the vault's own contracts, not by Circle. Marking a vault "Withdraw only" or removing it from Arc Portal does not withdraw your funds, transfer them, or change your position. Withdrawal remains subject to the protocol's rules and available liquidity.
A vault may eventually be removed from Arc Portal entirely. If a vault you hold a position in is no longer shown, you can still reach your position directly through the protocol's own web application by connecting your wallet — or, if you use an Arc Portal embedded wallet, by signing in with an emailed one-time passcode. Contact Arc Portal support if you need help.
Arc Portal uses Swap Kit, which sources routes from third-party DEX aggregators — services that search decentralized exchanges to find a route for your swap. Circle has a direct relationship with the aggregators it uses, not with each underlying exchange or bridge a route passes through, and both the aggregators used and the venues they route through may change over time.
This applies to Swap only. Crypto deposits and transfers between networks under Deposit → Crypto use Circle's Cross-Chain Transfer Protocol (CCTP).
No. Swap routes are provided by LI.FI based on available provider data and objective factors, not by Circle. Circle does not select, evaluate, or recommend routes on your behalf, and does not guarantee that a route is appropriate for your needs. Before approving a swap, review the expected output, fees, slippage, and other transaction details carefully.
Slippage is the difference between the quoted price and the final execution price. Market movement, liquidity, network conditions, and timing can affect the amount you receive.
Your slippage tolerance is shown directly above the Swap button, along with the Minimum received for the current quote. The default is 0.5%. Select Change to choose a different preset or enter a custom amount.
Your tolerance sets the minimum amount you will receive. That minimum is enforced — if the price moves between the quote and execution so that you would receive less, the swap does not go through and the tokens you were swapping stay in your wallet.
This means you will not receive less than the Minimum received shown. It also means a swap can fail. Failures are more likely on routes with less liquidity, where prices move more. See "What happens if my swap fails?" below.
Arc Portal offers preset slippage tolerances of 0.5%, 1%, and 3%, and defaults to 0.5%. You can enter a custom tolerance up to 50%.
Slippage tolerance is the maximum difference you will accept between the quoted amount and the amount you actually receive. Raising it makes a swap more likely to complete when prices are moving, and at the same time increases the amount you may lose to price movement. A high tolerance can result in you receiving substantially less than the quoted amount, and in some market conditions it can be exploited by others to your disadvantage.
Only change the default if you understand the effect. Review the expected output before approving any swap.
If a swap doesn't complete, you'll see an error message. For swaps between tokens on the same network, the swap either executes or it doesn't — if it doesn't, your tokens stay in your wallet, though network fees for the attempt may still apply.
Swaps between tokens on different networks work differently, because they happen in more than one step and those steps can complete separately. See What happens if a swap across networks doesn't fully complete?
Your transaction history and wallet balance always reflect what you actually received. If something doesn't look right, or a transaction stays pending longer than you'd expect, contact our team via the Arc Help Center.
A swap between assets on different networks happens in more than one step: your asset is first moved to the destination network, then swapped into the token you selected. These steps don't always complete together.
If the transfer step finishes but the final swap step doesn't — for example, if the price moves beyond your slippage tolerance, or there isn't enough liquidity when it executes — you'll be left holding the token used to move your funds, typically USDC, on the destination network. You won't get your original asset back.
You can hold that USDC, send it, or try the swap again. Your transaction history and wallet balance will reflect what you actually received. If something doesn't look right, or a transaction stays pending longer than you'd expect, contact our team via the Arc Help Center.
The Swap token selector shows a default list of assets. You can also paste a token's contract address to search for one that isn't on that list — where the address resolves, the matching token can be selected for a swap.
The set of tokens available to swap is determined by LI.FI, which sources the swap routes, rather than curated by Circle. What's available to you may also vary based on network, liquidity, provider availability, jurisdiction, legal or compliance restrictions, and other operational factors. Not every asset or asset type is supported, and availability may change over time.
Circle does not review, verify, or endorse any token available in Arc Portal, including tokens you find by contract address. Confirm the contract address before you transact — see "Why doesn't my token appear in my Arc Portal balance?" above.
When you deposit USDC, EURC and cirBTC into Arc Portal from another supported network, Arc Portal uses Circle's Cross-Chain Transfer Protocol (CCTP). CCTP burns the USDC on the network you send from and mints native USDC on the destination network. What arrives is native USDC issued by Circle, not a wrapped or bridged representation of it.
CCTP is Circle's own protocol, so no third-party bridge terms apply to this step. Everything else works as it does elsewhere in Arc Portal: the transfer happens only after you authorize it, Circle does not take custody of your funds at any point, and onchain transfers cannot be reversed once confirmed. Most deposits complete in around 8 to 20 seconds. Some routes use a slower standard transfer that waits for full finality on the network you are sending from, which can take roughly 13 to 19 minutes from Ethereum and Ethereum layer-2 networks. Network fees and expected timing are shown before you confirm.
Send is a user-authorized onchain transfer. Arc Portal helps format the transaction for you to send to the network; Circle does not custody the funds or send assets on your behalf.
Send transfers assets between addresses on the same network, so timing depends on the network you are sending on.
On Arc, transfers typically settle in under a second.
On other supported networks, timing depends on that network's finality and current conditions, and can be slower. Arc Portal shows the transaction's status once you have approved it, and you can follow it in your transaction history.
Onchain transactions are irreversible once confirmed. Always confirm the recipient, token, amount, and network before approving.
Arc Portal's Agents tab is where you set up and oversee an agent wallet. In Arc Portal, you can create an agent wallet, set and change its spending limit, fund it, withdraw its funds back to your Arc Portal balance, and view its balance, recent spending, and activity. Funding comes either from your Arc Portal balance or directly from a card, Apple Pay, or Google Pay — see "Fiat onramp (buying with card or bank)" for the payment methods available in your region. Those are the only actions available on an agent wallet in Arc Portal: you cannot send or swap from it here. Arc Portal is not where the agent runs.
To put an agent wallet to use, you connect an AI agent to it using the Circle agent wallet command-line tool (See Agent Stack). Arc Portal gives you a setup prompt to hand to an AI agent you already use — for example Claude Code, Codex, or Cursor — which installs the tool and connects the agent to your wallet. Documentation and setup instructions are at agents.circle.com. Installing and running command-line software on your own computer is required; Arc Portal alone is not enough to make an agent transact.
An agent spends from the agent wallet, not from your main Arc Portal balance. Your controls are the amount you put into the agent wallet, the spending limit you set on it — which can apply per day, per week, or per month — and your ability to withdraw the funds back to your Arc Portal balance at any time. An agent cannot spend funds you have not placed in the agent wallet, and cannot exceed the limit for the period you selected.
Circle does not provide, operate, endorse, or evaluate the AI agent you connect, and does not review the instructions you give it.
You can withdraw funds from your agent wallet at any time through the Arc Portal "Manage Wallet" settings panel, or by using the Circle agent wallet command-line tool (CLI). The CLI supports transferring USDC from an agent wallet to another address and bridging it to another blockchain. See the documentation at agents.circle.com.
If your agent has moved USDC into Circle Gateway, those funds are held separately from the agent wallet's ordinary balance. Arc Portal shows that balance but cannot withdraw it — use the CLI.
In Arc Portal you can also set a daily, weekly, or monthly spending limit for an agent. Lowering the limit reduces what the agent can spend in that period, and an agent can never spend funds you have not placed in its agent wallet.
Changing a limit does not disconnect the agent. It keeps whatever access you gave it when you connected it, so raising the limit or funding the wallet again lets it resume transacting. Arc Portal has no separate control for removing an agent's access. To stop an agent transacting, set its limit to zero and withdraw its full balance, including anything held in Gateway. With no limit to spend against and nothing left to spend, it cannot transact.
For the full list of third parties and their terms, see Third-Party Integrations. For the third-party terms that apply to each lending market available in Earn, see Lending Market Terms.
Your use of a third-party service may be subject to that provider's terms, privacy policy, fees, eligibility rules, and jurisdictional restrictions, in addition to Arc Portal Terms.
You will be redirected to a third-party app or asset that is not operated by Circle. The third-party app or asset controls its own service, terms, fees, and risks.
For support related to Arc Portal interface or navigation, wallet connection, using Swap, Send, or Earn, general questions, or any issue where you're not sure who to contact, fill out the contact form at the Arc Help Center. If your issue turns out to sit with a third-party provider and that provider has its own support path, our team will point you there.
For on-ramp issues involving Transak, including payments, refunds, or identity verification, contact Transak support.
For fiat payment-processing or virtual account issues involving BVNK, contact Arc Portal support first. If needed, Arc Portal support may direct you to BVNK support.