Introduction

Arcle is a financial assistant you talk to. Instead of jumping between a banking app, a wallet, an invoicing tool and a delivery app, you say what you need in one chat — “send ₦5,000 to @ada”, “book a hotel in Abuja for Friday”, “start an ajo of ₦500 a day” — and Arcle works out the details, shows you exactly what will happen, and waits for your yes.

Every Arcle account has two balances: digital dollars (USDC), which you can hold and send anywhere in the world, and a local currency account in your country's currency, for receiving bank transfers and paying people locally. Built in Nigeria first, for Africa and the rest of the world.

What you can do

✦Send and receive money — to Arcle users by @username, to any Nigerian bank account, or as digital dollars
✦Pay bills — airtime, data, electricity, internet, TV and betting
✦Save — goals you can leave anytime, SafeLock you can't, and a daily ajo
✦Ajo with friends — group pools, and rotating ajo where you take turns to collect
✦Autopay — rent, salaries and subscriptions that run by themselves, under a cap you set
✦Book travel — hotels at live rates, paid from your balance; flight search
✦Shop and send errands — ask what things cost, order from a shop, and get it delivered
✦Run a business — invoices, payment links, a price list customers can find, orders and riders
✦Drops — send a link anyone can claim money from, even without an account
✦Ask anything — spending, budgets, rates, market prices — answered from your real account

Three promises

Nothing moves without you. Every payment is shown to you first and needs your approval — your phone's Face ID or fingerprint, or your 4-digit Arcle PIN. Arcle never invents a number. If it doesn't know a price, a rate or a balance, it says so rather than guess. Your business is yours. No other user can see your balance, your transactions or your account details — see Security & Privacy.

Arcle works in the app, in your browser, on WhatsApp, and inside the AI apps you already use — the same account and the same money everywhere.