Aarc is a deposit infrastructure for DeFi apps. We enable apps to accept one-click deposits from any chain, CEX, or fiat source. Aarc transforms any fiat-to-crypto on-ramp from a single-asset, single-chain purchase flow into an any-asset, any-chain deposit rail, without requiring on-ramps to modify their compliance stack or requiring additional KYB from dApps.

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How it works

  1. The dApp embeds the Aarc widget.
  2. Inside the widget, users select “Buy with Card / Bank.”
  3. A white-label on-ramp iframe (e.g., MoonPay, Mercuryo) opens, handles KYC, and processes the token purchase.
  4. Funds are sent to a one-time Aarc deposit address pre-configured in the background.
  5. Aarc relayers instantly swap, bridge, and forward the value to the user’s desired token & chain, covering destination gas from the transferred amount.
  6. Funds arrive in the dApp (wallet, vault, margin account, etc.) within ~60 seconds. Failed card purchases are refunded through the on-ramp’s standard fiat channels. For failed on-chain routing, Aarc attempts automatic retries for up to 30 minutes before refunding to the specified refund address.

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Examples

  1. Card → Margin Deposit (Cross-Chain) Users purchase crypto via debit card. On-ramp settles USDC on Ethereum (existing flow). Aarc converts and bridges to USDT on Arbitrum, depositing directly into the user’s margin account, without approvals or additional gas steps.
  2. Bank Transfer → Staking Vault For a Polygon staking dApp requiring wETH, users send a bank wire. On-ramp issues ETH on Base. Aarc detects incoming ETH, wraps it, bridges to Polygon, and deposits wETH ready for staking.
  3. Apple Pay → Gaming Token Players use Apple Pay for in-game purchases. On-ramp delivers USDC on Optimism. Aarc converts and bridges to the game’s native token on a custom L2, then triggers the in-game mint, all seamlessly.

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Benefits

  • Instant Any-Asset / Any-Chain Coverage Your existing settlement assets become gateways to every EVM chain and token without additional banking partnerships or licenses.
  • No Extra KYB for Developers dApps integrate the Aarc widget seamlessly, and Aarc handles KYB with you. Users complete KYC once in your iframe, maintaining compliance boundaries.
  • Low-Code Distribution Channel Simple widget embed goes live in ~30 minutes. Every Aarc-integrated dApp can route volume through your on-ramp, generating new transactions and revenue.
  • Higher Checkout Conversion Users complete their on-chain goals in one session, reducing cart abandonment and increasing purchase completion.
  • No Token Approvals / Destination Gas Hurdles Aarc handles destination gas from the transfer amount and eliminates allowance steps, delivering immediately usable funds.
  • Shared Revenue & Growth Aarc routes volume across multiple partnered on-ramps. Aligned fee splits and volume incentives help expand your ramp’s presence across dApps.
  • Automatic Refund Logic Fiat-side failures refund through your channels; on-chain failures refund via Aarc, reducing support burden for both parties.

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Need Help?

If you need help, visit our Support page.