SubScript

“You can’t vibe code USDC”

Anyone who relies on virtual dollar cards to pay for work tools knows this routine. - Normal bank card stops working on international checkouts. - The bank put an absurd monthly limit on foreign spending, added heavy taxes on cross border transactions, or made you wait months before unlocking foreign payments. So you set up a virtual card. That is usually when the fee trap begins: You pay a fee to generate a card. You pay a markup on the exchange rate just to fund it. You pay a monthly maintenance fee to keep it active. Then comes the decline fine. If a renewal hits your card when your balance is slightly short, the provider charges you 50 cents. You are literally paying money for having a payment bounce. Canceling a service is another headache. When a merchant hides the cancel button behind endless surveys or forces you to email customer support, you have almost no leverage. If you drain the card to stop the billing, the provider fines you every time the merchant retries. Most people end up having to delete the entire virtual card just to stop one bad charge. Even when you pay the fees, the card remains fragile. You can have money on the card and still get rejected at checkout because the merchant flags the card issuer as high risk. Worse, every few months a card provider loses its partner bank. Thousands of people wake up to find their balances locked and their cards frozen. Servers go offline, software licenses lapse, and client work stalls. Virtual cards are fragile because they do not fix anything fundamental. They are just digital wrappers around the same chain of banks and middlemen. When one company in that chain has a compliance problem, everyone underneath them gets cut off. That is why we built SubScript natively on @arc with @USDC. Arc is built so USDC itself is the gas token. You do not need to buy volatile crypto tokens or guess how much gas to keep around just to pay a monthly bill. The same digital dollar you use to pay for your subscription pays for the network fee. And if your USDC is already sitting on networks like Base, Arbitrum, or Ethereum, you can move them straight in without losing a chunk of your money. Running recurring billing directly on smart contracts fixes what virtual cards could not. Your funds stay in your own wallet until the bill is due. No fintech holds your money in a custodial account that can get frozen when a partner bank runs into trouble. There are no card generation costs, no monthly maintenance cuts, and no penalty fines if a renewal attempts to run while your balance is low. Most importantly, you own the off switch. When you want to cancel a subscription, you revoke the permission directly onchain with one click. You do not have to beg customer support, navigate dark patterns, or burn your payment method to stop being charged. We did not build SubScript to give people another digital card that breaks every three months. We built it so anyone building software can pay for their tools and stay online without asking a middleman for permission. See you on mainnet 09.16.26 dashboard.subscriptonarc.com…

Onchain payments should support more than a simple token transfer. We’re open sourcing an e-commerce sample app on Arc using the Commerce Payments Protocol from @coinbase and @Shopify. Shoppers can pay in USDC or EURC with one signature and no gas. Merchants can authorize, capture, void, reclaim, and refund payments. A practical starting point for building stablecoin checkout flows on Arc: github.com/circlefin/arc-eco… For testnet demo purposes only.

9.16.26 @arc