ArcFinance Docs
Everything you need to understand and use ArcFinance, from first deposit to advanced yield strategies.
Introduction
ArcFinance is a non-custodial, multi-chain DeFi protocol offering liquidity provision, yield farming, cross-chain bridging, and token swaps. The protocol is engineered for efficiency, transparency, and long-term capital growth. ArcFinance supports nine networks across EVM and Solana, including Ethereum, Arbitrum, Optimism, Base, Polygon, BNB Chain, Avalanche, and HyperEVM, giving liquidity providers access to institutional-grade yields without sacrificing self-custody.
ArcFinance is incorporated in the Republic of Seychelles and has raised $4 million in seed capital from leading Web3 funds and strategic angels. Our mission is to make decentralized finance accessible, reliable, and rewarding for participants of all sizes, from retail depositors to institutional treasury managers.
Core Philosophy
Non-Custodial
You hold your keys. ArcFinance never takes custody of funds. Deposits are governed by audited on-chain logic and direct wallet transfers.
Multi-Chain
Capital flows freely across Ethereum, BNB, Solana, Arbitrum, Base, Avalanche, Polygon, and more. One interface, multiple ecosystems.
Yield-First
Every product is designed to maximise risk-adjusted returns. APR data is updated in real time, never inflated.
How It Works
ArcFinance operates on a simple deposit-and-earn model. Users connect a supported wallet, select a pool or farm, deposit assets, and begin accruing yield immediately. All positions are tracked on-chain and visible in your Portfolio dashboard in real time.
Connect Your Wallet
ArcFinance supports MetaMask, Phantom, Trust Wallet, and WalletConnect. Connection is read-only by default. No email, no sign-up, no custody transfer.
Choose a Product
Browse Swap for instant token exchanges, Bridge to move assets across chains, Pools for structured liquidity positions, or Farm for boosted rewards.
Deposit Assets
Select your currency and network, then enter a USD-denominated amount. The protocol auto-calculates the exact token units at current market price.
Sign Once
Complete the deposit in a single wallet signature. No approvals, no recurring permissions. Your wallet stays read-only outside that one signature.
Earn Yield
Your position activates as soon as the on-chain transaction confirms. APR is paid continuously and compounded automatically.
Withdraw at Maturity
All pool deposits are locked for a minimum of 90 days. Once your chosen duration completes, submit a withdrawal request and funds will be processed within 15 minutes.
ℹ Info
Swap
The ArcFinance Swap interface provides fast, low-slippage token exchanges. Solana-side trades route through Jupiter, which aggregates 30+ Solana DEXs (Raydium, Orca, Phoenix, Meteora, and others) and returns the best path automatically. Cross-chain pairs that require leaving Solana are handled via ArcBridge's multi-provider router (LiFi + Across V3), so any swap that includes a bridge leg inherits the same best-of-N pricing described in the Bridge section.
Supported Assets
BTC
ETH
SOL
BNB
USDC
USDTSwap Modes
Instant market-price execution. Select your input and output tokens, enter an amount, and swap at the best available price. Slippage tolerance is configurable (default 0.5%).
Set a target price and expiry (1 day / 7 days / 30 days / Never). Your order executes automatically when the market hits your specified rate. No gas wasted on failed transactions.
Automate recurring purchases on a Daily, Weekly, or Monthly schedule. Choose between 5, 10, 20, or 52 orders to dollar-cost-average into any supported asset. Ideal for long-term accumulation strategies.
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Liquidity Pools
ArcFinance Pools are structured liquidity positions where depositors earn yield from swap and bridge fees collected by the protocol. Pool deposits share these fees pro-rata alongside farm depositors. Unlike traditional AMMs, ArcFinance pools offer fixed-duration options so you can match your capital to your risk appetite.
Pool Types
All ArcFinance pools are locked deposits. Capital must remain in a pool for the full chosen duration before withdrawal is available. The minimum lock period is 90 days, with options extending to 180 or 365 days. Longer commitments attract higher APR because the protocol can deploy predictable liquidity more efficiently. Think of it like a fixed-term yield account: the longer you commit, the greater your return.
90 Days
Minimum lock. Entry-level APR tier with the shortest available commitment. Ideal for users wanting yield with a predictable 3-month cycle.
180 Days
Mid-tier lock. Meaningful APR boost for depositors confident in a 6-month horizon. Most popular choice among active liquidity providers.
365 Days
Maximum lock. Highest available APR. Ideal for long-term holders treating their position as a yield-bearing store of value.
| Pool | Lock Duration | APR Range | Risk Level |
|---|---|---|---|
| BTC | 90–365 days | 81–82% | Medium |
| ETH | 90–365 days | 73–78% | Medium |
| SOL | 90–365 days | 119–121% | Medium-High |
| BNB | 90–365 days | 93–94% | Medium-High |
Deposit Flow
When depositing into a pool you will be prompted to: (1) choose a currency and network, (2) enter a USD deposit amount (the exact token equivalent is calculated live at current market price), (3) choose a pool duration, and (4) review and confirm.
The deposit completes in a single wallet signature. Your wallet stays read-only otherwise. No approvals are requested. The position activates as soon as the on-chain transaction confirms, typically within 1–2 minutes.
⚠ Note
Supported Networks per Pool
SOL
Solana
ETH
Ethereum · BNB Chain · Arbitrum · Base · Optimism
BTC
Ethereum (WBTC) · Arbitrum (WBTC) · Base (cbBTC)
BNB
BNB Chain
USDC
Ethereum · BNB Chain · Arbitrum · Base · Optimism · Polygon · Solana
USDT
Ethereum · BNB Chain · Arbitrum · Base · Optimism · Polygon · Solana
Yield Farming
ArcFinance Farms let you deposit tokens directly to earn yield from cross-chain bridge fee distributions. Farmers receive APR paid in USDC on a per-block basis. Unlike pools, farm rewards are claimable at any time with no penalty, and can be reinvested to compound your position.
How Farming Works
Deposit into Farm
Select a farm, choose your token, network, amount, and lock duration (90, 180, or 365 days). Your position activates within 10 minutes of completed payment confirmation on auto networks.
Accrue Bridge Fee Rewards
Your position starts earning immediately. Rewards accumulate every block from ArcBridge cross-chain activity and are paid in USDC.
Claim Rewards
Rewards accumulate per block and are claimable at any time in USDC. No penalty for early claims. Claimed rewards appear in your Portfolio Holdings.
Reinvest or Withdraw
Re-stake claimed rewards to compound your position, or withdraw your principal after the lock period expires. Farm rewards can be harvested independently of principal withdrawal.
Active Farms
Each farm earns from two sources: base APR from bridge fee distribution, plus a stable rewards component. Rewards are distributed in USDC on a per-block basis and can be harvested at any time without penalty.
| Farm | Bridge Fee APR | Stable Rewards | Total (Boosted) | Status |
|---|---|---|---|---|
| SOL-USDC | 121% | 18.3% | 139.3% | Live |
| SOL-USDT | 119% | 17.9% | 136.9% | Live |
| BNB-USDT | 94% | 15.9% | 109.9% | Live |
| BNB-USDC | 93% | 15.6% | 108.6% | Live |
| BTC-USDT | 82% | 11.8% | 93.8% | Live |
| BTC-USDC | 81% | 12.4% | 93.4% | Live |
| ETH-USDC | 78% | 14.2% | 92.2% | Live |
| ETH-USDT | 73% | 13.6% | 86.6% | Live |
| ARC-USDC | TBD | TBD | TBD | Q4 2026 |
Bridge
ArcBridge is ArcFinance's cross-chain transfer layer. It moves tokens between nine supported networks in a single user signature. Each quote is priced in parallel against multiple routing providers and we pick whichever delivers the largest amount on the destination chain after all fees — typically settling in seconds for stablecoin L2↔L2 routes. Bridged assets can be deployed directly into ArcFinance Pools and Farms without additional steps.
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Supported Networks
Additional networks are added based on demand and routing-provider support.
How ArcBridge Works
Get a Quote
Pick your source chain, destination chain, token, and amount. ArcBridge queries multiple routing providers in parallel — currently LiFi (which itself aggregates 20+ underlying bridges including Stargate, CCTP, and Mayan) and Across V3 (a relayer-based intent network). Whichever provider delivers the larger amount on the destination chain wins the quote.
Sign Once
Confirm the transfer with a single wallet signature. ArcBridge prepares the entire transaction server-side, so your wallet stays read-only outside this one signature. ERC-20 routes may include a one-time approval for the chosen router's contract.
On-Chain Settlement
The transfer is submitted on the source chain. Stablecoin L2↔L2 routes via Across typically settle in 2-30 seconds; cross-VM transfers (e.g. Solana ↔ EVM) and longer-tail tokens via LiFi take one to several minutes depending on the underlying bridge.
Live Status
ArcBridge polls the active provider's status feed (LiFi's getStatus or, for Across, the source-chain receipt with SpokePool log verification) until the bridge settles. You can close the page and check Portfolio at any time. Telegram alerts notify you on submission and completion.
Fee Structure
| Fee Type | Amount | Notes |
|---|---|---|
| Protocol Fee | 0.25% | Flat fee on the bridged amount, distributed 100% to pool and farm depositors (see Fees section) |
| Network Fees | Variable | Paid in the source chain's native gas token; quoted upfront before signing |
| Liquidity Spread | Variable | Routing layer's spread, included in the quoted destination amount |
| Slippage Tolerance | 0.5% | Default; the route fails rather than completing under the minimum received |
Bridgeable Assets
ArcBridge supports the following assets across the nine live networks. Token availability varies per chain (e.g., HYPE is native to HyperEVM only, SOL to Solana only). Additional assets and chains will be added based on user demand and governance votes post-TGE.
Bidirectional
Bridge in either direction between any two supported chains. No restrictions on route direction.
Seconds for Stables
USDC/USDT between supported L2s settles in 2-30 seconds via Across. Longer-tail routes via LiFi take one to a few minutes depending on the underlying bridge.
Direct to DeFi
Bridged assets can be deployed directly into ArcFinance Pools and Farms in a single transaction.
Fees
ArcFinance charges a small fee on every swap and bridge transaction. None of those fees are retained by the protocol. They flow directly to the depositors who supply the liquidity that makes each trade possible. Depositor APR scales with protocol volume: more bridge and swap activity means more fees, which means higher APR for pool and farm participants.
| Fee | Amount | Where it goes |
|---|---|---|
| Swap fee | 0.15% per trade | 100% to pool and farm depositors |
| Bridge fee | 0.25% per transfer | 100% to pool and farm depositors |
| Withdrawal fee | Varies by pool | Visible on the Pools page before deposit |
How Fees Become APR
Every swap fee and bridge fee collected by the protocol is redistributed pro-rata to the pool and farm depositors who provide the underlying liquidity. There is no protocol revenue layer between the fee and the depositor. This is what powers the APR figures shown on the Pools and Farm pages. As trading volume grows, depositor rewards grow with it.
The withdrawal fee is charged when a user closes a position at unlock. It varies by the underlying asset pair and is the only sustained revenue stream for the ArcFinance treasury, funding ongoing protocol development, audits, and operations.
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Security & Audits
Security is the foundation everything else is built on. ArcFinance contracts are developed under a rigorous internal review process and independently audited before every major deployment. We maintain a public bug bounty programme and a multi-signature treasury to prevent any single point of failure.
Audit Partners
Core AMM & Pool contracts
0 Critical · 2 Low (resolved)
Cross-chain bridge module
0 Critical · 1 Medium (resolved)
Farm & staking contracts
Ongoing (Q2 2026)
Token contract & governance
Scheduled for Q3 2026
Security Architecture
Multi-Sig Treasury
All protocol-owned funds are controlled by a 4-of-7 multi-signature wallet. No single key can authorise a withdrawal.
Time-Locked Upgrades
Contract upgrades are subject to a 48-hour time lock, giving users time to exit before any change takes effect.
Bug Bounty Programme
Critical vulnerabilities earn up to $100,000 in USDC. Scope covers all deployed smart contracts and the front-end bridge.
Decentralised Governance
Post-TGE, ARC token holders vote on protocol parameter changes through an on-chain governance module.
How ArcFinance Protects You From DeFi Exploits
Most devastating attacks in DeFi history (smart contract exploits, approval phishing, malicious token drains) share a common vector: they exploit standing token approvals or forged contract calls. ArcFinance is built around a simpler model that removes both attack surfaces.
One Signature, Zero Approvals
For deposits, swaps, and bridges, you sign exactly one transaction per action. ArcFinance never requests a token approval, a spending permission, or any standing authorisation over your wallet. Your private keys remain entirely in your possession at every step.
Direct Wallet Transfers, Not Contract Calls
Deposits are direct token transfers from your wallet to an ArcFinance treasury address using the standard ERC-20 or SPL transfer instruction. The action completes in a single signature with no custodial contract for an attacker to exploit.
User-Initiated Withdrawals
Withdrawals are released to a wallet address you specify when you submit a request after your lock period ends. Because there is no automated withdrawal contract holding standing authority, attackers cannot trigger unauthorised withdrawals programmatically. This single design decision blocks the technique responsible for billions in DeFi losses.
No Unlimited Approvals, Ever
Many DeFi protocols ask users to grant unlimited token approvals to smart contracts. Those approvals can be exploited long after you stop using the protocol. ArcFinance never requests a token approval of any kind. ERC-20 transfers from your own wallet do not require an approve call.
Phishing Resistance
Even if a user lands on a malicious lookalike site, the worst case is signing a single transfer transaction. There is no approve() trap that drains tokens later, no contract upgrade vector, and no batched approval phishing flow.
No Seed Phrase or Private Key Exposure
ArcFinance will never ask for your seed phrase, private key, or wallet password under any circumstances. No legitimate ArcFinance interface, team member, or support agent will ever request this information.
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Tokenomics & ARC Token
ARC is the native utility and governance token of ArcFinance. It powers fee discounts, governance voting, liquidity mining boosts, and protocol revenue sharing. The token generation event (TGE) is targeted for Q4 2026, with a concurrent airdrop to early users and liquidity providers.
Token Allocation
ARC Utility
Governance
Vote on protocol parameter changes, new pool launches, and fee structures.
Fee Discounts
Holding ARC reduces swap fees by up to 50% depending on your staked balance.
Yield Boost
Stake ARC to boost Farm APR by up to 2.5× on any active farm.
Revenue Share
ARC stakers receive a proportional share of protocol fee revenue, distributed weekly.
Priority Access
ARC holders get early access to new pool launches and partnership integrations.
Airdrop Multiplier
The more ARC you earn before TGE via farming and referrals, the higher your airdrop multiplier.
Airdrop & TGE Details
50% of the total ARC supply (50 million tokens)is reserved exclusively for rewarding users across three airdrop rounds. This is the largest single allocation in the token distribution, reflecting ArcFinance's commitment to putting the community first.
Distributed at TGE to early users who deposited before the token launch. Snapshot taken at TGE date. Weighted by deposit volume, duration, and farm participation.
Distributed 90 days post-TGE to active users who continue providing liquidity after the token launch. Rewards loyalty and sustained participation.
Distributed 180 days post-TGE. Rewards long-term holders, top referrers, and users who participate in governance voting after TGE.
ARC Points Program
Alongside the three airdrop rounds, ArcFinance operates an ongoing points program with a total pool of 50,000,000 points. Every eligible user earns points automatically, with no claiming required. At TGE, each point converts 1:1 into ARC tokens.
Earn by depositing. Points are awarded for every confirmed deposit into any pool or farm.
Earn by referring. Bringing active users to the platform earns you additional points each distribution cycle.
Weekly distribution. Points are calculated and sent to all eligible wallets every Monday at 8:00 PM Tokyo Time (JST).
View your balance. Check your current points balance anytime on the Rewards page.
TGE conversion. At the token generation event, your full points balance converts directly into ARC tokens at a 1:1 ratio, with no additional steps required.
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Allocation Criteria
Airdrop allocation across all three rounds is weighted by the following on-chain activity:
- Total USD value deposited across all pools and farms
- Number of distinct deposit events
- Duration assets were held in pools (loyalty multiplier)
- Referrals of active depositors via the rewards programme
- Farm participation and boosted staking before TGE
- Governance participation post-TGE (Rounds 2 & 3)
Roadmap
ArcFinance is built for the long term. Below is the current public roadmap. Milestones marked "In Progress" are actively in development. Dates are targets and may shift based on audit timelines and market conditions.
Foundation
- Company incorporated in Seychelles
- $4M seed round closed
- Core team assembled (12 engineers, 4 BD)
- Smart contract architecture finalised
Private Beta
- Internal testnet deployed and validated
- First security audit completed (OtterSec)
- Investor preview of Pools and Portfolio dashboard
- Waitlist opened with 8,000+ signups
Public Launch
- Mainnet launch: Swap (Market) and Pools
- MetaMask + EVM wallet support live
- Cross-chain deposits: Ethereum, BNB Chain, TRON, and more
- Real-time price ticker and portfolio dashboard live
- 11,500+ active liquidity providers
Product Expansion
- Yield Farming module launched
- Second audit completed (Halborn)
- DCA and Limit Order UI released (backend in progress)
- Admin analytics dashboard for protocol monitoring
- Mobile-responsive redesign shipped
Scaling & Integrations
- ArcBridge launched: cross-chain transfers across 7 networks in one signature
- Automated deposits: single-signature flow live on Solana and 6 EVM chains
- Hack-victim Relief program opened
- Third audit: Farm contracts (Zellic) in progress
- DEX aggregator integrations for optimised routing
- Analytics dashboard v2 with on-chain data
- Partnership integrations: 5+ protocols announced
Governance & Token Prep
- ARC token contract deployed and audited (Trail of Bits)
- Governance module live on testnet
- Airdrop eligibility snapshot criteria published
- ARC staking vaults open for early participants
- CEX listing negotiations finalised
TGE & Airdrop
- ARC Token Generation Event (TGE)
- Airdrop distributed to eligible wallets
- ARC/USDC liquidity pool launched with full farming rewards
- On-chain governance activated and community votes begin
- CEX listings on Tier-1 exchanges
- Cross-chain ARC bridge deployed
Long-Term Vision
- ArcFinance v2: concentrated liquidity model
- Institutional vaults with custom risk parameters
- Layer 2 deployment for sub-cent transaction fees
- DAO full handover; core team steps back from governance
- 100,000+ active liquidity providers target
Frequently Asked Questions
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