Picture this

Who it is for

Six stables promise a return. Every minute the contract compares what each paid against what it promised and moves a third of the worst one's share to the best. Stables post a bond and lose it if they fall too far behind.

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

Continuous, contract enforced reallocation by kept promises was not found.

Closest things out there

Yield aggregators like Yearn.

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 Contest app: savers put USDC in a pool where yield providers race against their own public promises every minute, with bonds that pay savers first, plus a paywall and steward 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: six stables one pot, checked every minute, broken promises pay first.

Pot status and next actionHome

Balance, pot rate, stables racing, moves and one clear next step.

Live race and boardRace

Track and tote board per minute, with shares moving from the worst to the best stable.

Play a weekRace

An ordinary week, Marlin falling behind, or a market wide dip.

Join and withdraw any timePool

Pick an amount under the cap, join, and withdraw with no lock or fee.

Pick your own fieldPool

Choose which stables race your money. Gated behind Saver Plus.

Steward receiptPool

Pool, deposit, bonds and rules onchain; names never stored.

Sunday race cardCard

Who kept their promise and who was benched, with a share card.

Eight week comparisonCard

Contest pot versus one provider or an even split. Gated behind Saver Plus.

SMS move alertsMe

A text when the steward moves your money. Gated behind Saver Plus.

Plans and USDC checkoutMe

Saver, Saver Plus and SACCO 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

Fee on yield, MRR, incoming USDC payments, payment methods, tiers and gates.

Race rulesRules

Share moved, tolerance, bond line, averaging window and deposit cap.

Steward log with failuresSteward

Every check, false move and adaptation, 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.

SACCO evening loop and referralsGrowth

Run a group session, race card sharing, stable promotion and referral codes.

The money path, built in

How it earns for you

A small owner set fee on yield earned, group pools for savings groups, and an optional Saver Plus subscription, all in USDC.

SaverFreeJoin the pool, the live board, withdraw any time, Sunday race card

Saver Plus$3 a monthPick your own field, eight week comparisons, SMS move alerts

SACCO$79 a month per groupA pool for your group, branded race card, member reports

Owner sets a fee on yield earned, 10% by default. Slashed bonds go to savers first.

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

Growth loops, built in

How it spreads

The Sunday race card shared by savers
Group pools opened by SACCO treasurers
Stables promoting their own rank
Saver referral codes with a free month for both

Roadmap · build the next phase with us

Where it goes next

v1 included

The full contest pool

Pool with fixed rules on Arc
Keeper on a 60 minute average
Bonds, benching and slashing
Live board and withdrawals
Race card and paywall

Included

Group pools and stable portal

Pools per savings group
Stable onboarding portal
Mobile money ramp partner
Depositor votes

Add-on from $600

Public league table

League of stables across pools
Stable reputation
Cover fund from slashes
Partner read API

Add-on from $1,200

For investors and grant reviewers

The pitch, ready

A savings pool where yield providers race their own promises every minute, with their own money on the line.

Problem: Savers cannot tell which yield promise will be kept, and when a provider slips they find out months later.

Solution: A pool that compares paid to promised every minute, moves money away from laggards, and slashes bonds to pay savers first.

Why now: Stablecoin yield providers are multiplying and cheap chains make minute by minute checks affordable.

Market: Savings groups, SACCOs and individual stablecoin savers, starting with one community pool.

The ask: Launch one capped pool with a Nairobi SACCO and six providers.

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

For hackathons and demo days

Your 2 minute demo

Home: Wanjiru and the school fund, join the pool.
Pool: join with $2,400, see the field and the receipt.
Race: play the Marlin week and watch shares move each minute.
Race: Marlin falls below the bond line and is benched.
Card: the Sunday race card; comparisons are gated behind Saver Plus.
Owner Steward: the 60 minute average fix after a false move.
Owner Revenue: set the fee on yield and edit the paywall.
Owner Growth: run a SACCO evening.

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

Make it entirely yours

Custom pools, new chains, provider integrations and branded race cards, scoped on a call from $1,000.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

Savers who park USDC with a yield provider usually learn it missed its promised rate weeks or months later, in a report. By then the money sat earning less, or nothing, and moving it was a manual job.

What exists and what is new

Yield aggregators such as Yearn already move deposits between strategies to chase the best rate, and many vaults rebalance automatically. What the research did not find is continuous, contract enforced reallocation judged by kept promises: providers publish a rate and post a bond, the contract compares paid against promised every minute relative to the field, and moves part of the worst share to the best while slashing bonds below a line. Research verdict: high novelty for the mechanism; the underlying idea of automated reallocation is not new.

The data it runs on

Each provider's promised rate and bond, oracle readings of what each actually paid (checked against onchain transfers), the pool rules (move size, tolerance, bond line), every share move and slash, and depositor balances by wallet address. No names or phone numbers.

1.The mission

Make a yield promise something a provider has to keep in public, every minute, with its own money on the line.

2.Why people can't resist it

Watch it like a race A live board ranks providers by promises kept. Savers check it the way they check a score.

Bond pays first If a provider falls far behind, its bond covers the gap before depositors lose anything.

Sunday race card One weekly card with the field ranked by kept promises, a streak for checking, and one tap to leave.

3.How it works for real

Wallets: Privy embedded wallets with passkeys so savers deposit USDC without a seed phrase. Withdraw any time, no lockup.

Contest pool contract on Arc: A pool contract on Arc, Circle's USDC native chain with sub second finality, holds deposits, per provider shares, rules and bonds. Shares move by fixed rules only.

Provider adapters: Each stable is an adapter contract to a yield source (tokenized treasury bills, lending markets). It reports accrued yield and must post a USDC bond to join.

Paid vs promised oracle: A keeper reads accrued yield each minute and compares a rolling 60 minute average against the promise, relative to the field median, so a market wide dip does not trigger churn.

Steward watcher: A small model (a Claude Haiku class model via OpenRouter) writes the plain language log and weekly card from events. It cannot move funds or change rules; rule changes go to a depositor vote.

Indexer and notifications: Convex indexes pool events for the live board, push notifications and the Sunday card.

4.Cost per use and pricing

Arc is new and fees may change, so check the current network before launch. Keeper checks every minute are 43,200 small transactions a month; at an assumed fraction of a cent each that is roughly $40 to $200 a month for the whole pool, not per saver. Moves only happen when a rule triggers. The watcher model costs under $5 a month at a Haiku class price. Example: a pool with 2,000 savers runs for about $150 to $400 a month including hosting.

Saver Free to join

Deposit, withdraw and see the board. The owner takes a small share of yield instead.

Pool fee 0.25% of yield earned

Taken only from yield actually paid, never from deposits.

Provider listing $200 per month

Yield providers pay to be in the field, in addition to posting their bond.

5.Growth loop

The weekly race card is shareable and ranks providers in public, which providers themselves will promote when they rank well. Start with one community, such as a SACCO or a savings group, then open more pools with different fields.

6.Risks and guardrails

Not a guarantee: Rates can fall for everyone and a provider can fail by more than its bond. Say so plainly everywhere. Nothing here is financial advice.

Regulation: Pooling deposits and paying yield may be regulated as a collective investment scheme in many countries. Get local legal advice before opening to the public.

Oracle errors: A wrong reading moves money wrongly. Use rolling averages, cross check transfers, cap moves per hour, and allow a pause.

Provider gaming: A provider could overpay briefly to attract share. Judge on rolling windows and weight longer history.

Smart contract risk: Audit the pool and adapters, start with deposit caps, and keep an emergency withdraw path.

Young chain: Arc may change. Keep adapters modular so the pool can be redeployed.

7.Build order

Pool contract with three adapters and fixed rules on Arc testnet
Keeper comparing paid to promised on a 60 minute average
Bond posting and slashing below the bond line
Live board and withdraw any time screen
Steward log and Sunday race card
Deposit caps and an audited mainnet launch with one savings group

8.Where this is going

Now
One pool, a few providers, a live board that shows who keeps their word.
Next
Many pools with their own fields and rules, chosen by savings groups.
Later
Kept promise records become a public reputation that providers carry between pools.
The big picture
Anyone, anywhere, can save with providers that have to prove every minute that they deliver, instead of trusting a brochure.

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 Contest

Contest: Your savings ride with whichever yield provider is keeping its promise, and money moves away from any that fall behind. Using someone else's version means their rules, their brand and their revenue. Owning Contest means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.