Picture this

Who it is for

A cashier in Enugu is paid 1.2 months of living a month. The town posts what rice, rent, fuel and school cost, the median sets the price, and the wage streams at today's price.

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

Wages indexed to a crowd priced local basket and streamed per second were not found.

Closest things out there

Sablier streams; inflation linked wages 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 Basket app: workers are paid in months of living where they live, priced weekly by their own neighbours and streamed in USDC on Arc, with a paywall and price keeper 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: paid in months of living, neighbours set the price, streamed by the second.

Live stream and next actionHome

USDC streamed this month ticking by the second, basket, rate and one next step.

Five item basket with mediansBasket

Food, rent, fuel, school and power, each with posted prices and the median.

Play a weekBasket

An ordinary week, a fuel jump or a fake price post, each changing the basket.

Staked price postingBasket

Post a price you paid with a small stake; far off posts are flagged on the first try.

Pay stream with cap and owedStream

Rate per second, weekly cap, owed amount and a receipt of what is onchain.

Employer noticeStream

The employer explains the change; accept or ask to talk.

Friday slip by WhatsAppSlips

What moved, why and next week's rate, with a share card.

Six month historySlips

Basket and pay over six months. Gated behind Basket Plus.

Pay letterSlips

A one page letter for a landlord or lender. Gated behind Basket Plus.

WhatsApp price alertsMe

A message when a basket item jumps. Gated behind Basket Plus.

Plans and USDC checkoutMe

Neighbour, Basket Plus and Employer tiers through the shared USDC checkout.

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, incoming USDC payments, payment methods, tiers, prices and gates.

Basket rulesRules

Weekly cap, posts per item, outlier line, stake and the three area rule.

Price keeper logKeeper

What the keeper did, where it failed and how it adapted, plus running costs.

Roadmap build requestsRoadmap

v2 and v3 scopes with add-on prices.

Top-up

Growth and referrals

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

Market morning loop and referralsGrowth

Run a market morning, track posters and shops, worker brings employer referrals.

The money path, built in

How it earns for you

Employers pay a monthly fee per shop to run worker streams. Workers can add Basket Plus. Workers never pay to be paid.

NeighbourFreeYour stream, the basket, posting prices, Friday slip

Basket Plus$2 a monthSix month history, WhatsApp price alerts, pay letter

Employer$15 a month per shopUp to 10 worker streams, weekly re-rate, notices, Friday slips

Price posts carry a small refundable stake; flagged fake posts can lose a review fee.

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

Growth loops, built in

How it spreads

The weekly basket number shared by radio and WhatsApp groups
Every employer brings their workers
Price posters see the stream and ask their own employer
Worker brings employer referral with a free month of Plus

Roadmap · build the next phase with us

Where it goes next

v1 included

The full basket app

Five item basket and staked posts
Weekly median with three area rule
Capped weekly re-rate of the stream
Notice, owed and Friday slip
Paywall with USDC checkout

Included

Town index and radio feed

Public basket index per town
Radio and WhatsApp feed
Multi town baskets
Employer dashboard

Add-on from $450

Co-op savings and credit

Savings priced in baskets
Lender partner pay letter flow
Poster reputation
Data licence for researchers

Add-on from $1,000

For investors and grant reviewers

The pitch, ready

Wages set in months of living, priced by neighbours and streamed by the second.

Problem: When prices jump, informal workers are paid in last year's money and have no fair, shared number to ask for more.

Solution: A neighbour priced basket of local costs sets the wage, and an employer funded USDC stream re-rates weekly with a cap and a notice.

Why now: Stablecoin streams on new chains like Arc cost fractions of a cent, and WhatsApp reaches every shop.

Market: Small shops and their workers in high inflation market towns, starting with one market and ten shops.

The ask: Pilot at Ogbete Market with ten shops for twelve weeks.

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

For hackathons and demo days

Your 2 minute demo

Home: Chidinma's stream ticking, open the basket.
Basket: medians per item, play the fuel jump week.
Basket: post a fake price and watch it get flagged.
Stream: the cap applies, Mr Okafor's notice, accept.
Slips: receive the Friday slip and share card; history is gated behind Plus.
Owner Keeper: the three area rule and outlier flag adaptations.
Owner Revenue: edit the Employer price and preview Plans.
Owner Growth: run a market morning.

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

Make it entirely yours

Custom baskets, new towns, payroll integrations and branded slips, scoped on a call from $1,000.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

In places where prices move fast, a fixed salary quietly shrinks every month. Workers have to ask for raises they cannot justify with numbers, and small employers have no fair, simple way to keep pay in line with what living actually costs in their own town.

What exists and what is new

Payment streaming already exists (Sablier and Superfluid stream tokens by the second), and inflation linked wages exist off chain through union agreements and official price indexes. What the research did not find is a wage indexed to a crowd priced local basket, set by the median of neighbours' posted prices and streamed per second onchain. Research verdict: high novelty for the combination; the streaming and indexation pieces each exist.

The data it runs on

Posted local prices per item with area and poster stake, weekly medians and the basket total, the agreed multiple and weekly cap, the stream rate, an exchange rate reading, and amounts above the cap shown as owed. Worker names, employers and addresses stay private.

1.The mission

Let anyone be paid in what a month of living really costs where they live, measured by their own neighbours.

2.Why people can't resist it

No raise to ask for When the basket moves, the stream moves with it, within a cap both sides agreed.

Neighbours set the price Traders and residents post one price a week and earn a small fee from employers who use the basket.

Friday slip One weekly note: what the basket cost, what moved, and what the stream pays next week.

3.How it works for real

Wallets: Privy embedded wallets with passkeys for workers, employers and price posters. Off ramps to local bank accounts through a licensed partner where available.

Price posts: Posters submit a price, item and area from a staked wallet. Each post is attested with EAS style attestations; the keeper requires posts from at least three areas per item.

Basket contract on Arc: A contract on Arc, Circle's USDC native chain, stores the weekly medians, the basket total and the exchange rate reading, and exposes the basket price per stream.

Wage stream: A streaming contract (Sablier style) funded by the employer in USDC, re-rated each week from the basket price times the agreed multiple, limited by the weekly cap.

Price keeper agent: A small model (a Claude Haiku class model via OpenRouter) flags outliers, writes the Friday slip and answers questions. Medians and pay rates are plain code it cannot change.

Indexer and notifications: Convex indexes posts and streams for dashboards, wage notices to employers and the Friday slip via WhatsApp or push.

4.Cost per use and pricing

Arc is new, so check current fees before launch. Each week one basket update and one re-rate per stream: at an assumed fraction of a cent per transaction, 500 streams cost a few dollars a week. Price posts can be batched into one attestation root. The keeper model costs under $5 a month at Haiku class prices. Example: a town with 500 workers and 60 posters runs for roughly $50 to $150 a month including hosting, plus poster fees paid by employers.

Worker Free

Receive the stream, read the slip, post prices.

Employer $3 per worker per month

Wage notices, caps, owed tracking and a funded stream dashboard. Part funds poster fees.

Town basket $100 per month

A cooperative, union or NGO runs its own town basket with its own items and posters.

5.Growth loop

Start with one market town and the small shops around it. The basket price itself is useful public data, so local radio and WhatsApp groups share it, and every employer who joins brings their workers.

6.Risks and guardrails

Employment law: Minimum wage, payroll tax and paying wages in a stablecoin are regulated differently in every country. Get local advice; it may need to run alongside a normal payslip.

Exchange rate: Workers are paid in USDC priced from naira. If the off ramp rate differs from the feed, real pay differs too. Show both numbers.

Price manipulation: Posters could collude. Use medians, stakes, area diversity and long standing reviewers, and cap weekly moves.

Employer affordability: A shock can exceed what a small business can pay. The weekly cap and owed tracking keep it a conversation, not a default.

Privacy: Wages are sensitive. Never publish who is paid by whom; streams should not link to names.

7.Build order

Five item basket and price posting from staked wallets
Weekly median with three area rule and outlier flags
Employer funded stream on Arc re-rated weekly with a cap
Worker and employer phones: stream, notice, owed
Friday slip by WhatsApp
Pilot with one market and ten shops

8.Where this is going

Now
One town basket and a few shops paying in months of living.
Next
Baskets in many towns, each priced by its own neighbours.
Later
Local basket prices become a public cost of living record, finer than official indexes.
The big picture
Pay everywhere is set by what life actually costs where people live, and checked by the people who live there.

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 Basket

Basket: Pay denominated in what a month of living costs in your town, streamed by the second. Using someone else's version means their rules, their brand and their revenue. Owning Basket means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.