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I wanted to test how far I could go with 

Can I build a functional stablecoin wallet for Arc without starting with a complex smart contract architecture?

 built with Arc Studio, designed around everyday USDC and EURC interactions.

Arc Wallet — Testnet

The goal was not to build another complicated DeFi dashboard.

I wanted something closer to a simple fintech wallet:

Connect wallet → see balances → send → receive → convert → track activity

The wallet uses the user's connected EVM wallet directly, so there is no separate custodial account or backend holding user funds.

I started by giving Arc Studio a very focused requirement:

The first version was intentionally simple.

Instead of trying to build every possible feature immediately, I wanted to get the core wallet flow working first and then iterate on top of it.

Arc Studio generated the application and provided a live preview while building. This is one of the parts I found particularly useful: the product can go from a natural-language idea to a working interface that can be tested immediately. 

After the initial version was working, I expanded the application.

Sign directly with their connected wallet 

The wallet provides the connected wallet address so users can receive USDC or EURC directly.

The wallet keeps the transaction experience organized so users can see their recent wallet activity without leaving the application.

A simple contact layer makes it easier to reuse frequently used wallet addresses instead of entering them every time.

This was one of the more interesting parts of the build.

I didn't want a fake "Convert" screen with a hardcoded exchange rate.

 and connected the conversion interface to the live liquidity pool.

Select token → enter amount → fetch live quote → review rate → approve → swap → confirm transaction

This means the Convert page is not just a UI mockup the swap is actually executed onchain.

Once the functionality was in place, I went back to the interface.

The original version was much brighter, so I redesigned it around a darker fintech aesthetic.

I also replaced the simple text branding with a wallet-style visual identity.

The objective was to make the application feel less like a developer demo and more like something that could evolve into a real consumer wallet.

5. The important part: no custom smart contract required

One thing I deliberately changed during the process was the architecture.

I initially experimented with a payment-splitter contract through Arc Studio.

That exposed an interesting deployment/ownership issue: the contract owner was not the wallet I was using in the preview.

Instead of adding unnecessary complexity, I stepped back and asked:

Does this wallet actually need its own smart contract?

For the core wallet functionality, the answer was no.

So the final wallet focuses on direct interaction with the user's connected wallet and existing onchain infrastructure.

That keeps the architecture much simpler:

Building a Non-Custodial Stablecoin Wallet with Arc Studio

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