Build Embedded USDC Experiences With Onramp Kit, Earn Kit, and Borrow Kit

Every onchain product eventually meets the same practical question: how does a user get funded, and what can they do once they are? For many teams, answering that question still requires too many one-off, manual integrations across custom infrastructure to manage payments, identity, wallets, gas handling, product reporting, and more. That work slows launches and creates more systems to maintain, which affects your app’s user experience (UX) and gives your users more chances to leave before they become active.

That is the infrastructure gap App Kits is designed to close.

App Kits gives developers a consistent way to integrate onchain fund flows through SDKs that abstract lower-level protocol and infrastructure work. With Onramp Kit, Earn Kit, and Borrow Kit now available on Arc, developers have three new SDKs for the moments that determine whether an onchain product becomes useful: the moment a user funds their wallet, and the moment that user can put their funds to work inside the product experience.

App Kits expanding into funding, earning, and borrowing

Existing App Kits capabilities already help teams build bridge, send, swap, and unified balance flows with a more consistent developer experience — and those capabilities continue to expand. Bridge Kit now powers crosschain routing for first-party tokens, including EURC and cirBTC, alongside third-party assets. Onramp Kit, Earn Kit, and Borrow Kit extend that approach into three high-value onchain actions: embedded fiat funding, earn opportunities, and crypto-backed borrowing.

For activity on Arc to mature, users need a clear path in, and they need useful reasons to stay active once they arrive. Onramp Kit helps users get funded with USDC and EURC on Arc. Earn Kit helps developers give their users access to third-party earn opportunities from inside the products they already use. Borrow Kit helps developers enable their users to borrow USDC through third-party lending protocols backed by their crypto assets, starting with bitcoin (BTC). Support for additional collateral options is planned over time. 

The SDKs solve different problems, but they support the same broader goal: helping developers build more useful, funded, and active experiences, while abstracting away the complexity of infrastructure integration.

Onramp Kit: A simpler path to funding

For many products, the first barrier is not whether users want to use an onchain app. It is whether they can fund it without leaving. Legacy fiat-to-crypto flows can introduce high fees, failed payments, external redirects, and fragmented identity verification. For developers, supporting a single funding action can mean coordinating across payment processors, KYC vendors, and onboarding systems. For users, that complexity shows up as friction at the exact moment intent is highest.

Onramp Kit helps developers bring users onchain with an embedded funding experience. It is an SDK and widget that lets developers add an in-app purchase flow for USDC on Arc using familiar payment methods, including Apple Pay, Google Pay, and debit cards, without stitching together multiple vendors, protocols, and integrations. At launch, Onramp Kit is designed to serve eligible users in the US, UK, and EU.

Onramp Kit uses a pre-built widget to help developers add fiat-to-crypto funding without building the full funding flow themselves. Built-in identity verification helps reduce the need to assemble separate KYC flows. Clear transaction costs before purchase help reduce surprise fees and late-stage drop-off.

For fintechs and neobanks, that can mean adding USDC funding directly inside an existing product. For wallets, it can support a more natural “Add funds” experience. For onchain apps, it can help interested users become funded before the conversion moment is lost. Over time, Onramp Kit is designed to support more funding journeys, giving teams a more durable foundation for how users bring value into onchain apps.

Earn Kit: In-app lending opportunities

Once users are funded, they want opportunities to put their assets to work. Offering in-app lending opportunities can quickly become an infrastructure project, requiring product teams to evaluate protocols, build custom integrations, manage transaction flows, and present position data clearly to users.

Earn Kit is an SDK that helps developers launch in-app USDC and EURC lending opportunities on Arc through a single integration layer without stitching together DeFi infrastructure themselves. It is designed to reduce the complexity of protocol and vault integrations while supporting important product infrastructure such as wallet abstraction, crosschain deposits powered by CCTP, programmatic wallet creation through Circle Wallets, and gas sponsorship through Gas Station for Circle Wallets.

For wallets, infrastructure providers, fintechs, custody services, and exchanges, this creates a more direct path to bringing lending opportunities into existing products. Users can access third-party earn opportunities from inside the app, rather than being routed to external DeFi venues. Product teams can keep more of the relationship, activity, and UX in their own ecosystem.

At launch, Earn Kit supports lending opportunities across Morpho for USDC and EURC, including leading third-party vaults and select Circle-guarded¹ vaults that lend into markets backed by ETH and BTC collateral. One integration gives developers access to future earning opportunities as Earn Kit expands to support additional assets, venues, and product capabilities.

Borrow Kit: Crypto-backed USDC borrowing

Crypto asset holders seeking liquidity often face a difficult tradeoff: sell their assets or navigate an unfamiliar and potentially risky borrowing experience. For product teams, offering a borrowing experience in their apps can require piecing together protocol integrations, wallet infrastructure, paymasters, price indexers, transaction orchestration, and liquidation monitoring. That fragmentation increases development time and operational overhead for a feature that should feel simple to end users, causing crypto-backed borrowing to be deprioritized instead of launched as a new product and revenue opportunity.

Borrow Kit helps developers add crypto-backed USDC borrowing directly to their products through a single SDK. It allows developers to unlock liquidity for their users while creating a new revenue stream opportunity from loan originations. Borrow Kit supports production-ready borrowing experiences powered by Morpho on Arc, giving users access to BTC-backed USDC borrow markets.

Users can access USDC liquidity without selling their BTC or leaving an app they already use. Flexible wallet adapters support self-custody and developer-controlled wallet setups. Borrow Kit is also designed to support additional collateral assets, lending venues, and crosschain execution over time, giving developers a single integration for all their future borrowing needs.

Build on Arc with Onramp Kit, Earn Kit, and Borrow Kit

Arc mainnet is a network for financial products that need stablecoin-native primitives, predictable operations, and infrastructure designed for serious product teams. Onramp Kit, Earn Kit, and Borrow Kit make that promise more usable. They move complex workflows behind developer-first SDKs, so teams can focus on what users actually come for: funded accounts, useful balances, and financial actions that feel native to the product.

Together, these SDKs help developers build more complete financial product experiences. Onramp Kit makes it easier to bring users into an app with USDC on Arc. Earn Kit makes it easier to offer embedded earn experiences without stitching together DeFi infrastructure. Borrow Kit simplifies the path to offering BTC-backed USDC loans. The result is a more direct path for developers to build apps where users can fund, hold, and access supported onchain opportunities from one integrated experience.

Explore the Onramp Kit, Earn Kit, and Borrow Kit docs and quickstart guides.

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