Private stablecoin payments

Privacy for agent payments without losing policy control.

Arc Private is the missing wedge from the builder map: private, compliant USDC payment intents for agents, APIs, invoices and escrow flows. The product keeps sensitive payment context private while exposing the exact proof each party needs to trust the transaction.

View privacy pipeline Open Radar gap
ARC PRIVATE / PAYMENT INTENTPOLICY-SAFE
Private invoiceINV-ARC-2048
Amount128.40 USDC
Payer•••• 7F2A
Provider•••• 91C0
ScreeningPASS
BudgetOK
RevealSCOPED
Settlement evidence0x9c4e...71b2
Builder signalPrivacy is sparse

Radar found many payment, DeFi and x402 builders, but almost no general-purpose private payment UX.

Arc Suite wedgeCompliance plus privacy

The suite already has Shield, Flow, Billing, Escrow and Wallet OS; Arc Private turns them into a differentiated lane.

MVP shapeSelective disclosure

Start with private intents and proof views, then connect to future Arc privacy primitives when available.

Reference flow

Screen, encrypt, settle, reveal.

The first MVP should not promise impossible privacy. It should make a forward-compatible pattern visible: policy-safe metadata, private commercial context and scoped proof for each participant.

01
Policy screen

Screen first

Arc Shield checks address risk, workspace limits and agent reputation before any private payment intent can be prepared.

Required
02
Private intent

Encrypt details

Amount, counterparty and invoice context are represented as a private payment intent while policy-safe metadata stays auditable.

Privacy layer
03
USDC execution

Prepare Arc path

Arc Flow can route the approved payment to Circle wallets, a settlement-ready Arc Testnet path and provider reconciliation.

Arc ready
04
Selective proof

Reveal only what is needed

Operators, auditors or counterparties receive scoped proof: paid, allowed, within policy, or under review.

View-key model
Use cases

Where private payments matter first

Private invoicesPayment links and invoices where recipients can prove payment without exposing full counterparty context.
Agent x402 receiptsAPI calls where the provider sees enough to serve the request while the buyer preserves commercial privacy.
Escrow milestonesMilestone release/refund flows with private work value and auditable policy status.
RWA and FX desksStablecoin settlement workflows where amounts, counterparties and compliance artifacts need different visibility levels.
Selective disclosure

Different parties need different proof

OperatorFull workspace audit trailInternal spend control and incident response
ProviderPaid / unpaid receiptFulfillment without exposing the agent treasury
AuditorPolicy pass, chain, timestampCompliance evidence without commercial leakage
PublicMinimal settlement evidenceForward-compatible explorer proof

Suite integration

Arc Private makes existing modules more defensible.

Arc Shield

Screens address and risk before intent encryption

Arc Flow

Runs the policy-gated execution path

Arc Billing

Creates private x402 usage receipts

Arc Escrow

Locks and releases value by private milestone state

Arc Wallet OS

Controls signing policy and recovery scope

Arc Radar

Tracks why privacy is the ecosystem gap