Picture this

Who it is for

Amaka sells three hundred plates a day through a till on Arc. Lenders fund a pool beside it, the line is a published formula over her books, and each sale pays interest and a slice of principal first.

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

Revenue based credit computed from onchain till postings every second was not found.

Closest things out there

Revenue based financing (Clearco) off chain; Huma.

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 Book app: daily sellers take USDC at a till on Arc, see a public credit line computed from their real sales, borrow from a pool and repay a slice of every sale, with a paywall 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: your till is your proof, your line is a formula, every plate repays a little.

Line status and next actionHome

Line today, plates sold, amount owed and one clear next step.

USDC till with QR standTill

Ring up dishes, see each sale settle and split between the trader and the pool.

Instant refunds and daily salesTill

Refund the last sale and the line updates at once; seven days of sales at a glance.

Public line formulaBorrow

Multiplier times 30 day net sales minus what is owed, drawn as a chalkboard.

Draw from a poolBorrow

Pick what the money is for, review the flat fee and holdback, sign with a passkey.

Repayment that bends with tradeBorrow

Play a busy week, a fuel scarcity week or fake sales and watch the loan respond.

Friday board and share cardBook

Plates, repaid and line open on one chalk card, plus six weeks against a fixed schedule.

Friday forecast and statementsBook

Best day insights and a lender ready 90 day statement. Gated behind Book Plus.

Onchain receiptsReceipts

What is on Arc, what never leaves the app, and every sale, refund and draw with its hash.

Plans and second tillMe

Pricing from the owner paywall, USDC checkout, and a gated second till for another stall.

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

Draw fee share, subscriptions, payouts, incoming USDC payments and live tier editing.

Pool termsPool

Multiplier, holdback, flat fee, payer cap, loop rule and refund timing, plus lenders in the pool.

Wash sale reviewFlags

Looping and capped payers flagged for exclusion from the line, never from income.

Agent log and roadmapAgent

What the bookkeeper agent did and got wrong, running costs, and the priced Roadmap.

Top-up

Growth and referrals

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

Growth loops and cohortsGrowth

Market days, Friday board shares, trader referral codes and cohort retention.

The money path, built in

How it earns for you

Traders never pay to see their own books or to borrow through the app. The owner earns a share of each pool's published flat fee on draws, a small monthly plan for traders who want planning tools, and a monthly plan for cooperatives that run their own pool.

TillFreeUSDC till, daily sales, the public line, borrowing from a pool, receipts

Book Plus$5 a monthFriday forecast, lender ready statements, a second till for another stall

Pool operator$99 a monthFor a cooperative or licensed lender: pool terms, flag review, lender dashboard and exports

Each pool publishes a flat fee on draws (5% by default); the owner keeps a 20% share of it. Arc gas is paid in USDC, well under a cent per sale.

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

Growth loops, built in

How it spreads

Friday board share card posted to traders groups, where neighbours ask how
Market days run with a market association that connect tills in a batch
Trader to trader referral codes worth a free month for both
Lenders follow clean boards, so pools grow alongside good traders

Roadmap · build the next phase with us

Where it goes next

v1 included

The full trader app

USDC till with QR and daily sales
Public line formula and pool draw
Holdback inside every settlement
Friday board, receipts and plans
Wash sale exclusion rules

Included

Many pools and portable history

Several pools with different terms per market
Traders carry their till history between pools
Lender deposit app with plain risk terms
WhatsApp Friday board and draw alerts

Add-on from $600

Supplier credit on the same books

Suppliers extend stock against the public books
Repay the fish seller from the same holdback
Cooperative dashboards across markets
Licensed offramp partner directory

Add-on from $1,200

For investors and grant reviewers

The pitch, ready

Credit for daily sellers, computed in public from their own USDC till on Arc and repaid one sale at a time.

Problem: Food sellers and shop owners trade every day but cannot borrow fairly: banks want collateral and months of paperwork, and app lenders charge punishing rates on rigid due dates that ignore slow weeks.

Solution: A USDC till on Arc whose postings feed a published formula. Lenders fund a pool, traders draw against their real sales, and the settlement of every sale repays a fixed slice first.

Why now: Arc settles USDC in under a second with gas paid in USDC, embedded wallets remove seed phrases, and small models make an always on bookkeeper cheap enough for a single stall.

Market: Hundreds of millions of informal daily sellers, starting with market cooperatives in Lagos, and the cooperatives, diaspora circles and licensed lenders who want to fund them on terms they can read.

The ask: A pilot with one market cooperative acting as the licensed lender, and builder support from Arc and Circle programs.

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

For hackathons and demo days

Your 2 minute demo

Home: meet Amaka, 41, in Yaba. 300 plates a day, no freezer, and a bank that wants her house.
Till: ring up a plate and a wedding tray, see the sale settle on Arc, refund one and watch the line update.
Borrow: read the chalkboard formula, pick the chest freezer, review the fee and draw with a passkey.
Borrow: play a busy week, then the fuel scarcity week, and watch repayment bend with trade.
Borrow and Flags: play the fake sales week; Obi's 90 looping payments land in the owner's review queue.
Book and Receipts: the Friday board, six weeks against a fixed schedule, and what is and is not onchain.
Owner Pool and Revenue: change the holdback and every line moves; edit the Book Plus price and preview the Plans sheet.
Owner Growth and Roadmap: run a market day, then request v2 many pools.

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 own pool terms and lender onboarding, integrations with a cooperative's ledger or a licensed offramp, local languages, or a branded deployment for a market association. Scoped on a call.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

Small food sellers and shop owners trade every day but cannot borrow on fair terms: banks want collateral and months of paperwork, and app lenders charge punishing rates on rigid due dates that ignore slow weeks.

What exists and what is new

Revenue based financing already exists off chain (Clearco and merchant cash advances repay as a share of card sales), and onchain credit protocols such as Huma Finance lend against receivables and payment flows. What we could not find is a credit line computed every block from a merchant's own onchain till postings, with the holdback taken inside the same settlement as each sale and the formula public to lenders. The primitives exist; the packaging around a USDC till on Arc is the new part, so novelty is medium.

The data it runs on

Till postings on Arc (sale amount, payer address, refunds), the pool's published formula terms, draws and repayments, and agent flags for looping or refunded payments. Item level orders and the owner's identity stay offchain in the till app.

1.The mission

Let anyone who sells every day borrow against what they actually sell, and repay at the pace their trade allows.

2.Why people can't resist it

The line is a formula Owners see exactly why their line is what it is, and watch it grow as trade grows.

No due date to miss Every sale repays a fixed slice, so a slow week means smaller repayments, not a default notice.

A public Friday board Sales, repaid and line open on one chalkboard card owners like to share with other traders.

3.How it works for real

Till and wallets: A USDC till on Arc where customers pay by QR from any wallet; the owner signs in with a Privy embedded wallet and passkey.

Pool and line contract: An ERC-4626 style lender pool per market on Arc. A line contract reads the till's posting history and enforces line = multiplier x 30 day net sales minus outstanding.

Holdback in settlement: The till's settlement function splits each sale: the holdback percentage goes to the pool until the draw plus flat fee is repaid, the rest goes to the owner in the same transaction.

Indexer: A Ponder or Goldsky indexer keeps 30 day rolling net sales per till, subtracts refunds immediately, and exposes the numbers the formula uses.

Wash sale agent: A scheduled agent (a small model such as Claude Haiku for summaries, plain rules for detection) flags payers that receive money back from the till or exceed a daily cap; flagged payments are excluded from the line, never from the owner's income.

Notifications: Friday board and draw confirmations by WhatsApp Business API or push.

Fiat edges: Owners who need naira cash out through a licensed offramp partner of their choosing; the app shows fees before any conversion.

4.Cost per use and pricing

Arc charges gas in USDC; a split settlement costs well under one cent per sale (check current Arc fees), so 300 plates a day is roughly $1 or less in gas. The agent's daily pass over one till is a few thousand tokens on a small model, about $0.01 a day. Indexer hosting about $50 a month for a few hundred tills. Example month for 200 tills: about $300 in gas and infra.

Till Free

The USDC till, daily sales and the public line, with no borrowing.

Book 1% of the flat fee on each draw

Borrowing from a pool, holdback settlement and the Friday board.

Pool operator $99 a month

For a cooperative or lender running its own pool: terms, dashboard, flag review and exports.

5.Growth loop

Each Friday board is a shareable card with the line growing; traders in the same market ask how, and connecting a till is the first step. Lenders follow tills with clean boards.

6.Risks and guardrails

Lending law: Lending to merchants is regulated in most countries, Nigeria included. Pools must be run by or with a licensed lender or cooperative; the app is software, not the lender.

Lender losses: If an owner stops trading through the till, repayments stop. Lenders can lose money; this is stated before anyone deposits and nothing implies a return.

Gaming the books: Wash sales and self payments can inflate the line; exclusion rules and payer caps reduce this but do not eliminate it.

Routing around the till: An owner can take cash or another wallet to skip the holdback; pools should price this and lower lines when till volume drops.

Privacy: Till postings are public on Arc; customer payer addresses are visible. Owners should be told plainly before they start.

7.Build order

USDC till on Arc testnet with QR payments and a daily sales view
Indexer for 30 day rolling net sales with refunds
Line contract with a fixed multiplier and holdback split in settlement
Single lender pool with deposit, draw and repay
Wash sale exclusion rules and a flag review screen
Friday board card and share
Pilot with one market cooperative acting as the licensed lender

8.Where this is going

Now
One market, one pool, a few dozen tills borrowing for freezers and generators.
Next
Many pools with different terms, and owners moving their till history between them.
Later
Suppliers extend stock on credit against the same public books, no paperwork.
The change
A daily seller anywhere can borrow against the truth of their own trade, on terms they can read.

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 Book

Book: A till that borrows for itself: the credit line is a sum over live books and every sale repays the loan. Using someone else's version means their rules, their brand and their revenue. Owning Book means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.