Circle has introduced Arc Studio, an AI coding agent that generates full stack onchain applications, smart contracts and agents from natural language prompts.
- Arc Studio generates frontend interfaces, backend logic and smart contracts from natural language prompts.
- Developers can test generated apps across nine blockchains and export the code to their own repositories.
- Studio supports USDC payments, wallets, swaps, bridges and integrations with protocols including Aave, Morpho and Uniswap.
- The launch follows Arc’s public mainnet rollout as Circle expands its developer and AI agent infrastructure.
According to an Arc announcement on Sept. 17, Studio can produce frontend interfaces, backend logic and smart contracts from a description of what a user wants to build, with generated applications available for testing across nine blockchain networks.
The product arrives days after Arc moved to public mainnet, extending Circle’s developer tools around a network built for stablecoin payments, financial applications and automated software agents.
Arc Studio builds onchain apps from prompts
Arc Studio is designed to handle parts of blockchain development that would normally require developers to separately configure wallets, gas, contracts, protocol integrations and testnet infrastructure.
Users can describe an application in plain language and have Studio assemble its components into a working prototype. Developers can then export the generated code to their own repositories, inspect the underlying logic and use their own credentials and infrastructure for production deployments.
Circle said Studio can be accessed through its web interface or used as a subagent from coding tools including Claude Code, Codex and Cursor. The product is built specifically around Arc and Circle’s developer infrastructure instead of operating as a general purpose coding assistant.
Supported Circle products include Cross Chain Transfer Protocol, or CCTP, Contracts, Gateway and Wallets. Studio can work with live protocols and assets while applications can be tested on Arbitrum, Arc, Avalanche, Base, Ethereum, Monad, OP Mainnet, Polygon and Unichain.
The platform can write Solidity contracts, perform initial reviews and deploy them to Arc Testnet or eight other EVM testnets. Its interface provides access to contract read and write functions, while a tracing system records RPC calls, transactions, decoded events and offchain HTTP requests generated by an application.
Circle warns that AI generated code may contain errors, security weaknesses or incomplete output and should be independently reviewed and tested. Studio does not sign, fund or submit mainnet transactions on behalf of users, leaving production deployment to developers using their own credentials and infrastructure.
USDC payments sit at the center of Arc Studio
Circle has positioned Studio around applications that involve USDC flows, including payments, swaps, wallets, bridges, lending, staking and programmable payouts.
A developer could use a prompt to build a cross border payout application with an administrative interface and wallet functions, according to Arc. Other examples include stablecoin payments for digital goods, usage based SaaS billing settled in USDC and payment systems through which AI agents can pay each other or purchase computing resources.
Protocol integrations extend the available building blocks. Studio supports composable services from Aave, Morpho and Uniswap, allowing generated applications to incorporate existing DeFi infrastructure without requiring developers to manually connect each integration.
Circle has been expanding the underlying infrastructure that handles such transactions. A CCTP update released in September added upfront fee payments for Fast Transfer, allowing applications to quote and collect cross chain USDC fees on the source network while keeping the amount delivered to the recipient unchanged.
CCTP uses a burn and mint system for moving native USDC between supported networks. Circle’s newer Quote API can combine eligible protocol fees into a signed, time limited quote, while prepaid fees can be settled in USDC or the source network’s native gas asset.
Studio’s launch comes as Circle is developing another use case around payments initiated by autonomous software. In August, Circle said 99.3% of payment volume measured through the x402 agent payment protocol during the second quarter settled in USDC.
The x402 payment activity covered the protocol measured by Circle and did not represent the same share of all AI agent payments. Circle’s Agent Stack, launched in May, had more than 900 paid services by the end of the second quarter.
Arc Studio follows the network’s mainnet launch
Arc Studio is being released alongside a larger expansion of the Arc ecosystem following the blockchain’s Sept. 16 public mainnet launch.
As crypto.news previously reported, the Arc mainnet launch brought Circle’s Layer 1 network online with USDC used for transaction fees, deterministic settlement in under one second and support for Ethereum Virtual Machine applications.
Arc launched with Circle and 11 named institutional founding validators, including BlackRock, DTCC, Galaxy, ICE, Mastercard, MoneyGram, SBI Group, Standard Chartered, Sumitomo Corporation, Visa and Worldpay, which is part of Global Payments.
More than 100 applications and over 100 institutional and ecosystem builders were live on the network at launch, according to Circle. The company said Arc began with integrations spanning banks, asset managers, payment companies, exchanges, custodians, wallets, DeFi protocols and AI platforms.
The network supports 22 fiat stablecoins, while tokenized funds including BUIDL, USYC, JAAA and JTRSY were available at launch. Arc’s connection with CCTP and Circle Gateway provides routes for moving supported assets and accessing liquidity across more than 20 blockchain networks.
Circle has built Arc around an EVM compatible environment, allowing developers to use Solidity and existing Ethereum development tools. USDC serves as the native asset for gas accounting, removing the requirement to hold a separate network token to pay ordinary transaction fees.
Before the public launch, Arc had operated as a private mainnet with more than 100 institutional and ecosystem participants. Its earlier public testnet had processed more than 700 million transactions by the time the mainnet opened, according to Circle.
Circle is expanding Arc’s developer and agent tools
Studio is one of several products Circle is placing around Arc as it builds services for developers, institutions and autonomous agents.
Arc App Kits provide packaged components for common financial functions such as payments, swaps, onramps and yield. Arc Portal gives users an interface for funding agent wallets, setting spending limits and delegating specific onchain tasks.
Circle Agent Stack provides policy controlled wallets and nanopayments, while its Agent Wallets are designed for software that can hold, trade and bridge USDC within spending rules established by humans. Supported networks include Arbitrum, Arc testnet, Avalanche, Base, Ethereum, Monad, OP Mainnet, Polygon PoS and Unichain.
Institutional functions have been developed alongside those developer products. Circle disclosed plans for confidential smart contract capabilities earlier this year, with Arc Privacy designed to keep selected financial information private while retaining access needed for audits and compliance reviews.
Circle has identified payroll, treasury management, tokenized assets, trading and lending among the potential uses for confidential contracts.
Studio is available through its web interface, while developers working in existing coding environments can use it as a subagent. Generated applications remain exportable, allowing teams to review the code and move it into their own repositories before using their own keys and infrastructure for deployment.
