Conversational Finance

The chat is your command center. Everything you can do in Arcle starts with a message. Type naturally, just like you would ask a friend:

“Pay John ₦5,000 for dinner”
“Send 20 USDC to my savings wallet”
“Invoice Sarah for web design work”
“Schedule rent payment for the 1st of every month”
“Send an errand to pick up groceries from Marketsquare”
“Create a payment link for ₦15,000”
“Buy ₦500 airtime for my phone”
“Convert 50 USDC to NGN”
“Show my spending this month”
“Pay my team salaries”

How it works

Understands your intent

Arcle interprets what you want to do — even if your request is vague or complex. It handles compound requests like 'Pay rent and buy data' by breaking them into individual actions.

Asks for clarification

If something is unclear, Arcle asks follow-up questions to fill in missing details — like the amount, recipient, or date.

Shows a preview

Before any action executes, Arcle presents a clear summary of exactly what will happen. You see the amount, recipient, network, and any associated details.

You confirm

You approve with your passkey (for digital currency) or PIN (for local currency). Nothing happens without your explicit approval.

Executes and notifies

Once confirmed, Arcle executes the action and sends you a confirmation with relevant details — transaction hash, receipt, or tracking info.

Agent modes

You can switch between agent modes to focus on specific tasks. Each mode is optimized for a particular category of actions.

ArcleGeneral-purpose assistant. Handles any request across all features.
Send MoneyOptimized for transfers. Quickly resolve recipients, preview amounts, and send.
Pay BillsFocused on bill payments. Air time, data bundles, electricity, internet, TV, water, and betting.
ErrandMerchant discovery, price checks, ordering, and delivery tracking.
RatesCurrency conversion rates and commodity market prices.

Proactive intelligence

Arcle doesn't just respond to commands. It proactively monitors your account for unusual activity, detects recurring bills and suggests scheduling them, alerts you about large or suspicious transactions, and provides periodic spending summaries. Over time, it learns your patterns and becomes more helpful.