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# Circle Earnings Call
# Arc

Event Replay: Circle Q2 2026 Earnings Call

Jeremy Allaire
Jeremy Fox-Geen
Jeremy Allaire & Jeremy Fox-Geen

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HJ Chen
HJ Chen · Aug 6th, 2026
Welcome to Arc 101, a series about building with programmable money on a stablecoin-native blockchain built for global commerce. In Episode 1, we introduce Arc: an EVM-compatible Layer 1 blockchain purpose-built for programmable money, tokenized assets, and the agentic economy. Arc is designed to address four barriers that have kept existing blockchain infrastructure from meeting the needs of real-world finance: • Stablecoin-denominated fees, starting with USDC • Native interoperability across chains through CCTP and Gateway • Sub-second deterministic finality • Configurable, opt-in privacy for institutional workflows Visit arc.io for more. Arc testnet is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. Arc has not been reviewed or approved by the New York State Department of Financial Services. The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice. USDC is issued by regulated affiliates of Circle. See Circle’s list of regulatory authorizations (https://circle.com/legal/licenses). Circle Technology Services, LLC ("CTS") is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please see the Circle Developer terms of service, available at console.circle.com/legal/developer-terms. StableFX is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. StableFX is a collection of API and on-chain smart contracts that enable data sharing between counterparties to a transaction without intermediation by CTS. CTS’s role is limited to broadcasting information between the relevant parties and to the on-chain smart contract that enables settlement directly between the relevant parties. CTS does not accept or transmit digital assets on behalf of StableFX users. The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice.
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Tim Baker
Tim Baker · Aug 6th, 2026
Arc Public Mainnet will launch September 16, 2026. After operating in private mainnet with more than 100 institutional and ecosystem builders, Arc is preparing to open its purpose-built financial infrastructure to developers and businesses worldwide.
# Announcements
# Arc
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Gateway now supports ERC-1271 for transfer authorization. In this Release Notes episode, HJ from Circle DevRel explains how to authorize Gateway transfers with ERC-1271 by setting contractSigner: true on the burn-intent request. Gateway gives developers a unified USDC balance across supported chains. With ERC-1271 support, a smart contract can sign a Gateway burn intent through its own isValidSignature logic. This episode covers: - Adding contractSigner: true when posting a burn intent to /v1/transfer - How Gateway validates contract signatures via ERC-1271 - Read-only validation and replay-resistance requirements Resources: - Transfer from a smart contract account: https://developers.circle.com/gateway/howtos/transfer-with-erc-1271 - ERC-1271 programmable authorization: https://developers.circle.com/gateway/references/erc-1271 - Transfer unified USDC balance: https://developers.circle.com/gateway/howtos/transfer-unified-usdc-balance - Manage delegates how-to: https://developers.circle.com/gateway/howtos/manage-delegates - Gateway technical guide: https://developers.circle.com/gateway/references/technical-guide - Gateway docs: https://developers.circle.com/gateway - ERC-1271: https://eips.ethereum.org/EIPS/eip-1271
# Developer updates
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When you omit from.allocations on spend(), Unified Balance Kit sources USDC from your unified balance using a greedy strategy. This post walks through balance discovery, chain ordering, phased allocation, and burn-intent construction end to end.
# Unified Balance Kit
# App Kits
# Developer tools
The Agentic Economy Thesis in 6 Minutes Every major platform shift arrives the same way — not as one invention, but as a convergence. The web. Mobile. The cloud. Each time, the cost of something expensive collapsed toward zero, and velocity exploded. It's happening again. Two new operating systems are converging at once: one for intelligence (AI, foundation models, and agents), and one for the economy (open blockchain networks). Together, they collapse the cost of cognition *and* the cost of transaction — and each one makes the other more powerful. In this video, we break down the full thesis: what this convergence means for the nature of the firm, the rise of the one-person company, the emergence of an open labor market for agents, a new kind of money built for machine speed, and what it all means for ownership, labor, and who actually benefits from the automation wave. The agentic economy isn't just a technology story. It's an economic redesign — and the outcome depends entirely on the choices we make now. Read more at [The Agentic Treatise](https://AgenticEconomyTreatise.com) **Chapters:** 00:00 – The Convergence 01:00 – What a Company Actually Is 01:45 – Orchestration & the Agent Labor Market 02:30 – Money at Machine Speed 03:30 – Credit, Rebuilt 04:15 – The Software Economy Goes Global 05:00 – The Ownership Question --- *Like and subscribe for more thinking on AI, crypto, and the future of work.*
# Agentic Economy
# AI
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Tower Exchange is a stablecoin-focused DEX aggregator built on the Arc blockchain, designed to unify liquidity across Arc's decentralized exchanges and help users access better execution through a single interface. Tower combines smart routing across liquidity sources with integrated bridging across supported chains, while its AI assistant helps users understand portfolios, trades, and performance through natural-language insights. --- *Arc is offered by Circle Technology Services, LLC ("CTS"). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws.* *Arc has not been reviewed or approved by the New York State Department of Financial Services.* *The product features described in these materials are for informational purposes only and may be modified, delayed, or cancelled without notice at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee, or investment advice.* *USDC is issued by regulated affiliates of Circle. A list of Circle's regulatory authorizations can be found [here](https://www.circle.com/legal/licenses).*
# Community Spotlights
132
Wirex is expanding to Arc and bringing stablecoin banking and payment infrastructure with the launch of stablecoin neobank, Wirex One. The planned integration brings Arc into the settlement path for in-scope non-U.S card flows in USDC and EURC, and makes it natively available for Wirex BaaS infrastructure. For Arc, this is valuable because it points to recurring payments activity: users spending, card flows settling, and stablecoins moving through Arc as part of a live financial product
# Community Spotlights
# Spotlights
# Partner Spotlights
# Onramps
# Fiat Rails
# Card services
# Card providers
# Whitelabel cards
# Debit cards
# Card settlement
# Neobanks
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Synthra is an all-in-one decentralized trading platform on Arc Testnet that brings spot swaps, concentrated liquidity, and perpetual markets together in one onchain experience. In this session, Jacopo will walk through what Synthra is building, the problem it is addressing for onchain traders and liquidity providers, and how the team is approaching product design and market structure on Arc. --- Arc is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. Arc has not been reviewed or approved by the New York State Department of Financial Services. The product features described in these materials are for informational purposes only and may be modified, delayed, or cancelled without notice at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee, or investment advice. USDC is issued by regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found here.
# Community Spotlights
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The Arc Brand Guidelines and Partner Toolkit page is live. Builders and partners can use it to understand how to reference Arc Network, use the Arc logo, describe their relationship to the ecosystem, and route approval questions. The main rule is simple: your brand leads, and Arc is the infrastructure your product is built on.
# Developer tools
# Brand Toolkit
244
Sam Sealey
Jenna Teeman
aadi from Canteen
Sam Sealey, Jenna Teeman & aadi from Canteen · Jul 16th, 2026
# Arc Open Source Showcase Livestream Circle and Canteen are hosting this livestream to help Arc builders discover new open-source code created by fellow builders for fellow builders across the Canteen x Arc hackathon series. Together with the Canteen team, we will walk through the **Arc Open Source Showcase**, show how builders can browse project pages, repos, and tags, and highlight reusable apps, primitives, code, and use cases that can serve as references for future Arc builds. The session should help builders understand what is available, how to evaluate which examples are relevant to their own builds, and how builder-created resources can help the Arc ecosystem scale. --- *Arc is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws.* *Arc has not been reviewed or approved by the New York State Department of Financial Services.* *The product features described in these materials are for informational purposes only and may be modified, delayed, or cancelled without notice at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee, or investment advice.* *USDC is issued by regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found here.*
# Livestream
# Hackathons
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