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.