Lock
A guarantor locks USDC for a beneficiary, for a defined amount and term. Capital never leaves the guarantor's control.
The problem
Every deposit assumes you already hold the capital. Tenants, sellers and bidders who cannot post one are excluded, and the person willing to vouch for them has no way to prove it. Off-chain guarantees are slow, local and unverifiable.
How it works
Verify
The beneficiary receives an on-chain guarantee letter; anyone can check the funds are locked, no gas token needed.
Resolve
A claim opens a dispute window. Uncontested claims settle instantly; contested ones go to arbitration. Otherwise capital returns untouched at term.
Two modes
Peer guarantee
Someone you know locks the deposit. Their capital earns USYC yield for the term and is returned in full if no claim is made.
Pool guarantee
Post a fraction of the deposit; a pool of backers covers the rest against an annual premium. Completed guarantees build a history that lowers fraction and premium.
Why Arc
Locked capital earns USYC yield instead of sitting idle.
Native FX settles cross-currency guarantees in USDC or EURC.
Beneficiaries verify and claim with no gas token.
Sub-second deterministic finality; opt-in privacy as it rolls out.
$VOW
$VOW stakers form the pool's first-loss tranche: they receive a share of premiums and are slashed if the pool underwrites badly. Protocol keeps 10% of premiums. Contract address: coming soon.