Picture this

Who it is for

San Roque's money is backed one for one by dollars. Paying anyone in town is free, and cashing out costs only for money that never changed hands in town. What leaving costs goes to a town pot.

Two ways to own it

What you get

Base$299

$75 deposit to reserve

The full app from Terry's Arc portfolio: live surface, contracts on Arc, about page, handover of code and deployment.

You choose: brand name
You choose: accent color
You choose: domain

Customfrom $2,500

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Local currency where each unit carries a hand count that sets its exit fee was not found.

Closest things out there

Sarafu (Grassroots Economics); local currencies off chain.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Built for Arc's sub second, USDC native settlement.

The Regatta Board

Races it can enter

hackathon · Circle · upcoming

Arc / Circle developer programs and hackathons

unknown

Official page ↗

Answers Arc's Request for Builders; check current terms.

Their rule on existing code: unknown

What you own

The whole app, not a starter kit.

The complete Barangay app: a town's own money backed one for one, free to spend at home, with exit fees that fill a town pot, plus a paywall, council desk and helper agent built in.

Base price · $299

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Three step onboardingHome

Shown once: town money one for one, spending at home is free, leaving pays the town.

Balance, pot and next actionHome

Balance, town pot, average hands and one clear next step.

Free payments to neighboursPay

Pick a neighbour and an amount, no fee, settled in under a second on Arc.

Follow a pesoFollow

Three journeys show hand counting, free exits, exit fees and why loops earn nothing.

Sunday board and votePot

Pot goal, progress, one household vote and six month history.

Remittance in and cash outWallet

Accept money from family abroad as town money and cash out with the fee shown first.

Receipts, onchain and offchainWallet

Every payment with what is on Arc and what is never recorded.

Store ledger and map flagMe

Sales ledger with regulars and a pink flag on the town map. Gated behind Suki Store.

Plans and settingsMe

Pricing from the owner paywall, USDC checkout, SMS summary, permissions and vision.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue and paywall editorRevenue

MRR, store and council plans, incoming USDC, accepted methods, live tier and gate editing.

Council review deskCouncil

Agent flags reviewed with two keys, recount or clear, and the town pot ledger.

Town rulesRules

Base exit fee, hands to leave free, household rule, pot purpose and goal.

Agent log and roadmapAgent

Failures and adaptations, running costs, plus the priced Roadmap screen.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Fiesta sign up days and neighbour townsGrowth

Run a sign up day, track hands per peso, and add neighbouring barangays.

The money path, built in

How it earns for you

Residents never pay to pay each other. Stores pay a small monthly fee for merchant tools and the barangay pays for the council desk. Exit fees belong to the town pot, never to the owner.

ResidentFreeTown wallet, free payments in town, hand count, Sunday vote

Suki Store$3 a monthMerchant tag, sales ledger, pink flag on the town map, weekly SMS to regulars

Town Council$49 a monthReview desk, two key approvals, pot ledger and Sunday board tools

Exit fees of 0 to 5% on money that never went around town go to the town pot. Arc gas is a fraction of a cent per transfer.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Remittance families asked to send home in town money
Pink flag stores visible on the town map
Fiesta sign up days that register households in a batch
Neighbouring barangays that see the court lights and ask for their own
Sunday board share card after voting

Roadmap · build the next phase with us

Where it goes next

v1 included

The full town money app

Town wallet with free local payments
Hand counting and exit fee to the pot
Sunday board with one vote
Receipts, remittance in, cash out
Paywall, council desk, helper agent

Included

Neighbour towns and SMS mode

Towns accept each other's pesos
Feature phone payments by SMS
Remittance partner link for families abroad
Printable QR for every stall

Add-on from $500

Municipal pot and grants

Municipal dashboard across barangays
Matching grants into town pots
Public pot spending receipts
Small store loans from the pot

Add-on from $1,200

For investors and grant reviewers

The pitch, ready

A town's own money that leaves free only after it has gone around.

Problem: Remittances and wages arrive in small towns and leave the same day for city chains, so little money circulates locally and public needs wait for outside funding.

Solution: A USDC backed town currency on Arc: paying neighbours is free, each hand between households is counted, and money that never went around pays a small exit fee into a town pot the community votes on.

Why now: Arc's sub second, USDC native settlement makes free local payments and per unit hand counting cheap enough for a sari-sari store.

Market: Barangays, small towns and municipalities with strong remittance inflows, and the stores and families that live there.

The ask: Pilot partners: two barangays and one remittance partner, plus Arc and Circle developer programs.

Funding is never guaranteed. Check each program's rules.

For hackathons and demo days

Your 2 minute demo

Home: meet Aling Nena, 58, on fiesta eve in San Roque.
Wallet: accept ₱5,000 from Joy in Dubai as town money.
Pay: pay Mang Ben for fish, free in town.
Follow: run the three peso journeys and see the exit fee and the loop.
Pot: vote for the court lights and share the board.
Owner Council: recount a two phone loop with two keys.
Owner Revenue: change the Suki Store price and preview the Plans sheet.
Owner Growth and Roadmap: run a fiesta sign up day, then request neighbour towns.

Many hackathons require code written at the event. See the Regatta Boardfor each race's rule.

Make it entirely yours

Custom work from $2,500: your town's name, language and pot purposes, SMS gateway setup, a remittance partner integration or a municipal deployment. Scoped on a call.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

In small towns, remittances and wages arrive and leave almost at once, spent at city malls and online. Local stores, vendors and drivers see little of it, and towns have no simple way to fund their own small projects.

What exists and what is new

Community currencies are well established: Sarafu by Grassroots Economics runs community vouchers in Kenya, and many local currencies run offchain. Our research did not find a local currency where each unit carries a count of hands in town that sets its own exit fee. The local currency idea is old; the per unit hand count exit fee, paid to a town pot, is the new piece. Novelty is high but untested.

The data it runs on

Onchain: the USDC reserve, household wallet transfers, the hand count on each balance lot, exit fees and the town pot. Offchain: the household register kept by the barangay hall, and what anyone bought.

1.The mission

Help a town keep its money moving at home, and let what leaves pay for what the town needs.

2.Why people can't resist it

Spending at home is free No fee to pay the fish vendor, the tricycle driver or the canteen. The cheapest move is the local one.

Watch the pot grow A Sunday board shows the town pot, the goal and one vote. People see their town fund its own court lights.

Your money's story Each person sees how many hands their pesos passed through this month, and stores that pass money on get a flag on the town map.

3.How it works for real

Wallets per household: Embedded wallets (for example Circle Wallets or Privy) with phone sign in, one registered household wallet each, approved by the barangay hall.

Town token on Arc: A token minted 1:1 against USDC held in a reserve contract. Balances are kept as lots with a hand count; a transfer to a different household adds one hand, unless the lot returns within 24 hours.

Exit fee contract: Redeeming to USDC charges fee = base x (1 - hands / freeAt), zero at freeAt hands, paid straight to the town pot contract. Parameters are set by an assembly vote and a council multisig (for example Safe).

Fiat rails: A licensed local ramp converts pesos and remittances to USDC; senders abroad can send USDC directly.

Hand counter agent: A small model tier (for example a Haiku or GPT mini class model via OpenRouter) reviews transfer patterns weekly and drafts flags. Council members approve any recount.

Indexer and board: An indexer feeds the Sunday board, the town map and SMS summaries for people without smartphones.

4.Cost per use and pricing

Per transfer: Arc gas is a fraction of a cent in USDC (testnet today; check mainnet fees at launch). Weekly agent review for a town of 3,000 households costs well under $5 in model fees. Example month for one town: around 60,000 transfers, roughly $30 to $80 in gas and models, plus about $50 hosting, before ramp fees.

Barangay Free

One town, up to 500 households, default rules and the Sunday board.

Municipality $99 a month

Several barangays, custom rules, the store map and SMS summaries.

Pot share Up to 10% of exit fees

An optional, published share of exit fees for the operator; the rest stays in the town pot.

5.Growth loop

Remittance families tell relatives abroad to send in town money. Stores put up the pink flag. Neighbouring barangays see the court lights and ask for their own; towns can later accept each other's pesos.

6.Risks and guardrails

Money rules: Issuing a payment token and holding reserves is regulated. Run with a licensed partner and local government approval; get legal advice.

Gaming the hand count: Wallet loops and fake households. Household registration, the 24 hour return rule and council review limit it.

Privacy: Transfers between household wallets are public. Names stay in the barangay register; purchases are never recorded.

Pot misuse: The pot is held by a multisig and every spend is shown on the board, with an assembly vote for each project.

Reserve risk: The reserve is USDC and depends on its issuer and the ramp. The app shows the reserve live.

7.Build order

Reserve and town token with hand count lots on Arc testnet
Exit fee contract and town pot multisig
Household registration flow for the barangay hall
Pay by QR at stores and tricycles
Sunday board with pot, goal and one vote
Weekly hand counter review with council approval

8.Where this is going

Now
One barangay, a few hundred households, one pot for the court lights.
Next
A whole municipality, with each barangay keeping its own pot.
Later
Nearby towns accept each other's pesos, and remittance apps send town money directly.
The world it builds
Every small town can keep its money moving at home and fund its own needs.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Barangay

Barangay: A town's own money that leaves free only after it has gone around. Using someone else's version means their rules, their brand and their revenue. Owning Barangay means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.