Circle enables stablecoin purchases, lending on Arc with new kits

Circle wants every app on its Arc blockchain to double as a small bank branch. On September 30, 2026, the company rolled out three developer kits that let applications embed stablecoin purchases, lending, and borrowing directly into their products. Developers can add these financial features without building their own smart contracts, which removes one of the more expensive and error-prone steps in shipping a crypto product. The kits arrive just two weeks after Arc’s public mainnet went live on September 16, 2026. What the three kits actually do The Onramp Kit handles the front door. It lets users buy USDC and EURC inside an app using Apple Pay, Google Pay, or a debit card. The feature currently works for eligible users in the US, UK, and EU, and those users must clear KYC checks run by the payment provider. The Earn Kit gives apps a way to offer lending opportunities for USDC and EURC, with the Morpho protocol generating the yield behind the scenes. Morpho is a decentralized lending protocol. Users deposit stablecoins, borrowers pay interest to use them, and depositors collect a share of that interest. The Borrow Kit allows users to take out USDC loans using cirBTC as collateral, ...