Picture this

Who it is for

Your line starts at ten dollars and doubles every thirty days you pay on time. Backers fund one person and earn most of the fee. A missed day resets the streak in public.

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

Streak based credit lines backed by named people were not found.

Closest things out there

Goldfinch; off chain thin file lenders.

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 Streak app: credit that starts small and doubles every thirty on time days, backed by named people, with a paywall, owner console and watcher 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: one square a day, your line doubles, backed by your people.

Streak, line and next actionHome

Days in a row, line now and next doubling, with one clear next step.

Daily square paymentsToday

Pay today's square from M-Pesa; payments started before midnight always count.

Grace daysToday

Use a grace day for storms or sick days, with one line to backers.

Doubling line and drawsLine

Coin ladder, draw for stock, capped at what backers put in.

Cycle simulator with honest resetLine

Run thirty days on time, with a storm, or with a miss, and see doubling or reset.

Named backers and notesBackers

Who backs you and how much, notes from them; more than three backers gated behind Streak Plus.

Receipts, onchain and offchainWallet

Owed this cycle, daily amount and fee, with every payment's receipt.

Supplier card and lender historyMe

A streak card for suppliers and six cycle history for lenders. Gated behind Streak Plus.

Plans and settingsMe

Pricing from the owner paywall, USDC checkout, morning nudge, 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, fee share after backers, incoming USDC, accepted methods, live tier and gate editing.

Line bookBook

Every active line with its streak strip, resets and grace days, plus reset notes to backers.

RulesRules

Starting line, highest line, cycle fee, backers' share and grace days.

Watcher log and roadmapAgent

False misses and how the watcher adapted, running costs, plus the priced Roadmap screen.

Top-up

Growth and referrals

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

Market day sign ups and backer loopsGrowth

Run a market day sign up, track backers per borrower and repeat backers.

The money path, built in

How it earns for you

Borrowers pay a small fee per thirty day cycle; most of it goes to their backers and the rest to the owner. Plus plans add supplier and lender tools, and co-ops pay to run Streak for members.

StreakFreeA doubling line, up to 3 named backers, daily squares, grace days

Streak Plus$2 a monthSupplier streak card, up to 8 backers, six cycle history for lenders

Co-op$39 a monthRun Streak for a savings group or market association, with group backers

Cycle fee of 2 to 5% on the line, with 60 to 90% shared to backers, set by the owner. Arc gas is a fraction of a cent per daily repayment.

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

Growth loops, built in

How it spreads

Each borrower brings two or three named backers
Backers who watch a clean streak back a second person
Market day sign ups with on the spot backer invites
Streak share cards in family and market group chats
Co-ops and market associations running Streak for members

Roadmap · build the next phase with us

Where it goes next

v1 included

The full streak app

Doubling line backed by named backers
Daily squares with grace days
Honest public reset
Receipts, M-Pesa in, backer notes
Paywall, owner console, watcher agent

Included

Co-op desk and supplier credit

Savings groups run their own Streak
Suppliers accept the streak card for stock on credit
USSD squares for feature phones
Group backer pools

Add-on from $500

Lender passport

Portable streak history for banks and microfinance
Consent based sharing
Backer reputation
Multi currency ramps

Add-on from $1,200

For investors and grant reviewers

The pitch, ready

Credit that doubles every thirty on time days, backed by people who believe in you.

Problem: Small traders without a credit history pay steep rates or borrow from lenders who shame them, while the people who believe in them have no simple way to help.

Solution: A tiny starting line on Arc that doubles each cycle of daily on time repayments, funded by named backers who share the fee and see the streak, with grace days and an honest reset.

Why now: Arc's USDC native, sub second settlement makes daily micro repayments cheap, and mobile money ramps reach traders directly.

Market: Kiosk owners, boda riders and market traders across East Africa, and the savings groups and co-ops they belong to.

The ask: Pilot partners: one market association in Kisumu and one mobile money ramp, 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 Achieng, 31, at her kiosk on the Kisumu shore.
Today: pay today's square from M-Pesa before the first customer.
Line: draw for stock, then run a cycle with the lake storm grace day.
Backers: Auma, Mr. Otieno and Wanjiru, and the gate for a fourth backer.
Wallet and Me: receipts, the supplier card gate and the share card.
Owner Agent: the slow M-Pesa false miss and the fix.
Owner Revenue: change the Plus price and preview the Plans sheet.
Owner Growth and Roadmap: run a market day, then request the co-op desk.

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 line ladder and fee split, a local mobile money ramp, extra languages or a co-op branded deployment. Scoped on a call.

Custom from $2,500

BLUEPRINT

Why it matters and how it really works

The need

Hundreds of millions of small traders have years of steady trade but no payslip or credit file. Banks say no and app lenders charge punishing monthly rates. What they lack is a way to show reliability that people can see and fund.

What exists and what is new

Undercollateralized onchain credit exists: Goldfinch lends through offchain lenders to thin file borrowers, and many offchain lenders score mobile money history. Our research did not find a credit line that doubles on each 30 day on time streak and is funded by named personal backers who see the streak. The parts (credit lines, social underwriting, USDC rails) are known; the streak mechanic and named backer pool are the new combination. Novelty is high but unproven at scale.

The data it runs on

Per borrower: wallet address, line size, cycle number, daily repayment events and a streak counter onchain. Backer pool deposits and fee splits onchain. Name, phone, identity check and the reason for any late day stay with the operator and the backers' private chat.

1.The mission

Let anyone earn credit by showing up every day, backed by the people who already believe in them.

2.Why people can't resist it

One square a day A 30 square calendar that fills with each payment. Thirty in a row is something you made, and the next doubling date is always visible.

Named backers, not a score Your aunt, your old teacher, a regular customer. They see the streak, and that quiet attention is the strongest reminder there is.

Honest reset A missed day resets in public, and grace days cover storms and sick days when you say so. Fair rules make people stay.

3.How it works for real

Wallets: Embedded wallets (for example Privy or Circle Wallets) for borrowers and backers, so no seed phrases. Gas on Arc is paid in USDC.

Line contract on Arc: One contract per borrower holds the backer pool in USDC, the current line, the cycle and the streak counter. The line is min(start x 2^cycles, ceiling, pool). Draws and daily repayments settle with sub second finality.

Fiat rails: A licensed on and off ramp partner converts local mobile money (for example M-Pesa) to USDC. A payment started before the deadline counts as pending, not missed.

Watcher agent: A small model tier (for example a Haiku or GPT mini class model via OpenRouter) writes reminders and the weekly backer note. It reads chain and ramp state only; it holds no keys.

Indexer and notifications: An indexer (for example a Ponder or Goldsky subgraph) feeds the app, plus WhatsApp or SMS notifications at the borrower's chosen hour.

Identity: A light KYC check through the ramp partner, and backers invite borrowers by link, so every line starts with real people who know each other.

4.Cost per use and pricing

Per daily repayment: Arc gas is a fraction of a cent in USDC (testnet today; check mainnet fees at launch). Ramp fees are the larger cost, often 1 to 2% per conversion. Watcher messages use a small model at well under $0.001 each. Example month for 1,000 active borrowers: about 30,000 repayments, roughly $30 to $60 of gas and models, plus hosting around $50, before ramp fees.

Community Free

Up to 20 borrowers, default fee split, WhatsApp reminders.

Co-op $49 a month

Unlimited borrowers, custom ceilings and grace rules, a branded app and backer reports.

Platform fee 10 to 30% of the cycle fee

The owner's share of each cycle fee, set openly in the contract, with the rest going to backers.

5.Growth loop

Each borrower brings two or three backers, and backers who watch a clean streak often back a second person. Share cards of long streaks travel in family and market group chats. Co-ops, savings groups and market associations can run their own Streak for members.

6.Risks and guardrails

Lending rules: Credit and pooled backer funds are regulated in most countries. Launch with a licensed local lender or co-op partner and get legal advice per market.

Backers can lose money: A borrower may never repay. The app must say plainly that backing is support, not an investment, with no promised return.

Public shame: A public reset can hurt. Only backers see the name; the public sees an address. Grace days and a private reason field soften real life.

Ramp delays: Mobile money conversion can lag. Pending payments started before the deadline count, and false misses are reversible by the watcher's evidence.

Collusion: Fake backers could pump a line. The ceiling, KYC through the ramp and a cap per backer limit the damage.

7.Build order

Line contract on Arc testnet with pool, cycle, streak and ceiling
Embedded wallets and an invite link for backers
Daily repay screen and the 30 square calendar
One mobile money ramp in one city
Watcher reminders at the borrower's chosen hour
Backers' weekly note and the share card

8.Where this is going

Now
One kiosk, three backers, a ten dollar line that doubles on clean months.
Next
Market associations and savings groups run Streak for their members, with local partners handling the rules.
Later
A long streak becomes a portable record that other lenders can read, with the borrower's consent.
The world it builds
Showing up every day is enough to be trusted with credit, anywhere.

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 Streak

Streak: Credit that doubles every thirty on time days, backed by people who believe in you. Using someone else's version means their rules, their brand and their revenue. Owning Streak means it is deployed under your wallet, carries your name, and every customer, partner and result builds your track record instead of theirs.