Cycles Pay is now officially running on @arc mainnet. This is the first application built on top of the Cycles protocol, a privacy-preserving clearing algorithm that finds loops of mutual debt and settles them without altering what each party is owed on net. Try it today at We already have a web app and a mobile app, and we’ve already added support for both businesses and individuals. Perhaps more importantly, it has a combination of features no one else in the industry has built yet: private stablecoin payments, earn vaults, invoicing, expense splitting and AI assistants. And we’re working on adding invoice financing, credit scores, balance lending, and rotating savings groups with the ultimate goal of becoming the first on-chain credit bureau to deliver credit scores based on real payment history and active payment obligations. @arc is the foundation. We chose it because it is designed for payments with USDC as gas, sub-second finality, and reliable global infrastructure.

The Cycles Pay app will integrate AI agents on @arc Users will be able to connect their Cycles account to the agent, and choose what set of permissions to give it. Permissions can be revoked at any time. The “read” permissions let the agent see balances, invoices, contacts, addresses, and transaction history. The “write” permissions let it queue invoices and payments, but without actually executing them. Users will still authorize the transactions with biometrics. Within those limits, the agent does most of the work: - Draft and edit invoices - Pull up incoming invoices (to see how much is owed and when it’s due) - Answer questions about revenues over a specific time period - Queue a movement of funds between accounts - Tell how much has been earned via DeFi strategies - Schedule reminders and payments - Send notifications when anything happens in an account Cycles agents will be big productivity boosters, without putting funds at risk. They’re currently in private beta, but are coming to the public beta this month.

Cycles Pay will be live on Arc on day one of mainnet, and Arc users (both businesses and individuals) will have a functional payment and invoicing application. But this is just the beginning. The Cycles protocol is a foundation on which a wide range of financial applications can be built using the Cycles graph.

We’ve raised $8.7M to bring clearing to the masses. Our new round was led by Blockchange to work on the most powerful idea in finance. It’s not just about moving money faster & cheaper; it’s about moving less while doing more.