Your money,
flowing freely.
Send, swap, bridge, pay and manage your stablecoins — all in one app. Built on ARC for sub-second finality and zero gas on USDC.
Everything You Need
One app for all your stablecoin needs. No more switching between wallets, bridges, and exchanges.
Send Money
Send USDC instantly to anyone, anywhere. Zero gas fees on ARC.
Smart Swap
Swap stablecoins with AI-powered routing for the best rates.
Bridge
Move USDC across 9+ chains seamlessly with Circle CCTP v2.
Portfolio
Track all your stablecoin holdings across chains in one view.
AI Assistant
Get spending insights, budgeting tips, and smart suggestions.
Pay Merchant
Scan & pay at any merchant accepting stablecoins.
How ArcFlow Works
Connect
Link your wallet in one click. No KYC needed for basic features.
Fund
Deposit USDC from any chain, or buy directly with card/bank.
Flow
Send, swap, pay, and manage — all with sub-second finality.
Ready to flow?
Connect a wallet to start. No signup, no KYC for core features, and nothing custodial — your keys stay yours.