Arc 🤝 XyloNet
This partnership is about proving that stablecoin-native infrastructure can support both deep DeFi and real consumer payments without compromise.
We built XyloNet on
@Arc Testnet because Arc treats USDC as a first-class citizen, not just another bridged asset. Native USDC gas means users never need to hold a separate volatile token to pay fees.
Deterministic sub-second finality means transactions settle clean instead of hanging in ambiguous states. And CCTP V2 with Fast Transfer means crosschain USDC moves as native USDC in minutes with one signature. These are not convenience features. They are the foundation that lets us ship a full stack and a consumer payment flow on the same settlement layer.
What we shipped
XyloNet brings the DeFi primitives. A StableSwap AMM for USDC and EURC with Curve-style invariant math. Composable liquidity pools with standard LP tokens. Programmatic CCTP V2 bridging. And ERC-4626 vaults that auto-compound yield. Each contract is modular so builders can compose with one piece without inheriting the whole system.
PayX brings the consumer layer. It lets anyone tip an X handle in USDC before that person has ever opened a wallet. Funds sit in smart contract escrow on Arc, keyed to the handle. The recipient verifies their X identity and claims to any wallet they choose. Identity resolves at claim time, not send time, which makes the pattern reusable for emails, usernames, or any offchain identifier.
Why this matters together
Most chains force a choice. You can build DeFi infrastructure or you can build consumer UX. Arc lets us do both on the same layer because the settlement is built around stablecoins from the ground up. One gas token. One finality model. One bridging standard. From liquidity pools to tipping a stranger who has never heard of a seed phrase.
That is what this partnership represents. Arc provides the stablecoin-native settlement layer. XyloNet and PayX prove what builders can do with it. The contracts are live on testnet. The patterns are open to adapt. The next team should not have to solve the same problems from scratch.
Try the stack. Swap. Bridge. Tip someone. See what it feels like when the infrastructure was actually built for this.