Circle's Arc blockchain launched three developer kits on its mainnet Sept. 30, designed to streamline on-chain fund flows into decentralized applications. The Onramp Kit, Earn Kit, and Borrow Kit abstract infrastructure work around payments, identity, wallets, and gas management that typically require custom integrations.
Onramp Kit enables embedded fiat-to-crypto funding within applications, supporting purchases of USDC and EURC on Arc via debit cards and Apple Pay. The kit reduces friction points including high fees, failed payments, external redirects, and fragmented identity verification.
Earn Kit provides developers with tools to surface yield opportunities directly inside their apps. Morpho-based vaults on Arc currently serve as the primary example for USDC depositor flows. SafePal Earn, a self-custody solution, already uses the kit to offer USDC yield on Arc powered by Morpho.
Borrow Kit allows users to access USDC liquidity through third-party lending protocols with BTC as collateral, eliminating the need to sell holdings. Morpho serves as the primary lending infrastructure for Arc's BTC-backed USDC borrow markets, with support for additional collateral options planned.
These SDKs build on existing App Kits capabilities for bridge, send, swap, and unified balance flows. Bridge Kit now handles cross-chain routing for first-party tokens like EURC and cirBTC alongside third-party assets.
