Arcle

Wallet on your terms

₦234k

Order an Arcle Card

•••• 4521
•••• 8810

Send money for free

₦20k
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Save for your goals

₦348k
Savings balance

Know your money is safe

Get paid 2 days early

Wed→Fri

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Stay in touch

A
Good morning, fredrick
₦220,540
≈ 142.84 USDC · Base
A
Arcle
online
Pay rent ₦250k and book a Bolt to the office
Two tasks. Rent first confirming the recipient.
Landlord0x88aa…12cc
NetworkBase · ~4s
Total₦250,000
Approve with Passkey?
Ask anything…↑

Managing money shouldn't feel like a second job.

Arcle is a conversational financial assistant designed to handle your daily money payments, invoices, vendors, schedules, pools through a single chat. Just type or speak naturally.

No more fragmented systems.

Today's finance forces you between five apps bank, wallet, invoicing, accounting, marketplace. Arcle replaces all of that with simple conversation, then handles the rails on your behalf.

Learn more

Group import pools Arcle's superpower.

*See pool rules and disclaimers
Closed pool
Macbook Pro · 14"
$8,200 / $8,000
Funded · shipped16 contributors
Active pool · Lagos
PS5 import
$2,100 / $4,000
53% fundedCloses in 5d
Active pool · Lagos
iPhone 15 import
$3,840 / $6,000
64% fundedCloses in 3d
New pool · Accra
Solar inverter
$420 / $3,200
13% fundedOpens daily
  • Pool funds with friends or community for any imported product
  • Arcle handles escrow, shipping, and customs
  • Each contributor gets their unit delivered home
  • Save 20–40% vs. solo importing

Access cash when you need it

Bridge the gap between payday and bill pay without selling your soul to a lender.

Learn more
₦5k
Free overdraft buffer*
₦50k
no credit check
Borrow up to ₦50k*
Pay over
3 weeks
Split big purchases with Arcle Later*
Fri→Wed
Get your paycheck up to 2 days early

Set a buffer once. Forget about overdraft fees forever.

Tap into Arcle credit when you need a small bridge.

Buy electronics, school fees, anything pay over 3 weeks.

Direct deposit your salary and we'll release it early.

*See legal disclaimers
A
Arcle
online
Pay Marketsquare ₦2,500 for groceries
Found Marketsquare. Confirming the order…
Sliced Bread₦800
2× Indomie₦1,700
Total (USDC)1.62 USDC
✓ Paid in 4s. Receipt saved.
Ask anything…↑
A
Arcle
online
Every 1st of the month, pay rent and split groceries with Sade
Scheduled. Two errands, runs monthly.
Rent₦250,000 → Landlord
Groceries50% × ₦60,000
Next runJun 1, 2026
Ask anything…↑
A
Arcle
online
Invoice John ₦250k for the website design
Drafted INV-000124 review and send.
Bill toJohn Doe
ForWebsite Design
DueMay 25, 2026
Total₦250,000
Ask anything…↑
Approve with Passkey
You'll only execute after confirming
ActionSend ₦5,000
ToJohn · 0x88aa…
NetworkBase · sponsored
Touch ID to confirm
A
Arcle
Live updates
#ORD-78291 In transit
Ikeja → Victoria Island, Lagos
Expected: today, 2:30 PM
Received
Picked up
Transit
Delivered
Rider Kunle assigned
2 min ago
Payment confirmed · 1.62 USDC
6 min ago

Pay any merchant with USDC.

Settle up instantly. Pay supported merchants with USDC across Base, Polygon, and 9 more chains sub-second finality, gas-sponsored, no friction.

See what's new

Send an Arcle Errand.

*See legal disclaimers

Put your finances on autopilot. Schedule a transfer, automate recurring payments, or handle complex multi-step tasks with one natural-language command.

See how it works

Become an Arcle merchant.

Scale globally. Accept instant USDC from anywhere on Earth, send invoices by chat, and settle to NGN, GHS, KES, or USD with one tap.

Explore features

Security built into every action.

*See legal disclaimers

Before any financial action runs, Arcle shows you exactly what will happen amount, recipient, network, fee. Execution only happens after you confirm with Passkey or PIN.

Learn about security

Live updates, every step of the way.

Once confirmed, Arcle keeps you in the loop rider assigned, delivery in transit, transfer settled, invoice viewed. Local or cross-border, you always know where things stand.

View updates

Arcle makes money simple.

5★
Editor's Choice
on the App Store
42k+
Active wallets
across Africa
4.8★
Rated Excellent
on Trustpilot