Circle has introduced Arc Studio, an AI coding agent designed to build full-stack onchain applications, smart contracts and software agents from simple natural language prompts.
The tool can create frontend interfaces, backend logic and Solidity smart contracts based on what a developer describes. The generated apps can then be tested across nine blockchain networks and exported to the developer’s own code repository.
Arc Studio is being launched shortly after Circle’s Arc blockchain moved to public mainnet. The product is part of Circle’s broader push to provide tools for stablecoin payments, financial applications and AI-powered onchain services.
Developers can describe the application they want to build in plain language, and Studio assembles the different parts into a working prototype. They can inspect the generated code, make changes and move it into their own repositories for further development.
Studio can be accessed through a web interface or used as a subagent with coding tools such as Claude Code, Codex and Cursor.
The platform connects with several Circle products, including Cross-Chain Transfer Protocol (CCTP), Contracts, Gateway and Wallets. Applications can be tested on Arbitrum, Arc, Avalanche, Base, Ethereum, Monad, OP Mainnet, Polygon and Unichain.
Studio can also generate Solidity contracts, run initial reviews and deploy contracts to Arc Testnet and other supported EVM testnets. Developers can read from and write to contracts through the interface, while a tracing system records RPC calls, transactions, decoded events and offchain HTTP requests.
Circle warns that AI-generated code can contain mistakes, security problems or incomplete sections. Developers are expected to review and test the code themselves. Studio also does not sign, fund or send mainnet transactions for users. Production deployment remains under the developer’s control.
USDC is a major part of the platform. Circle is targeting applications involving payments, swaps, wallets, bridges, lending, staking and programmable payouts.
For example, developers can use Studio to create cross-border payment systems, stablecoin payment apps, usage-based software billing and systems where AI agents can send payments to each other or pay for computing resources.
Studio also connects with protocols such as Aave, Morpho and Uniswap, giving developers access to existing DeFi services without having to build every integration from scratch.
Circle is also expanding the infrastructure behind cross-chain USDC payments. Its CCTP system uses a burn-and-mint process to move native USDC between supported networks. Circle’s newer tools allow applications to quote and collect eligible cross-chain fees while keeping the amount received by the user unchanged.
The launch also comes as Circle develops payment systems for autonomous software. Circle said that 99.3% of payment volume measured through the x402 agent payment protocol during the second quarter was settled in USDC. Circle’s Agent Stack had more than 900 paid services by the end of the same quarter.
Arc Studio follows Arc’s public mainnet launch on Sept. 16. Arc is Circle’s EVM-compatible Layer 1 network, where USDC is used to pay transaction fees. The network is designed for stablecoin payments, financial applications and automated services.
Arc launched with Circle and 11 institutional founding validators, including BlackRock, DTCC, Galaxy, ICE, Mastercard, MoneyGram, SBI Group, Standard Chartered, Sumitomo Corporation, Visa and Worldpay.
Circle said more than 100 applications and over 100 institutional and ecosystem builders were live at launch. The network also supports 22 fiat stablecoins and tokenized funds such as BUIDL, USYC, JAAA and JTRSY.
CCTP and Circle Gateway connect Arc with more than 20 blockchain networks, giving applications access to additional assets and liquidity.
Arc uses an EVM-compatible environment, so developers can use Solidity and familiar Ethereum development tools. Because USDC is used for gas, users do not need to hold a separate network token for regular transaction fees.
Before the public launch, Arc operated as a private mainnet with more than 100 institutional and ecosystem participants. Its public testnet had processed more than 700 million transactions, according to Circle.
Arc Studio is part of a wider set of tools Circle is building around the network. Arc App Kits provide components for payments, swaps, onramps and yield, while Arc Portal helps users fund agent wallets, set spending limits and control onchain tasks.
Circle’s Agent Stack also provides policy-controlled wallets and nanopayments. Its Agent Wallets are designed for software that can hold, trade and bridge USDC within spending limits set by users.
Circle is also developing privacy features for institutional applications. Its Arc Privacy work is designed to keep selected financial information private while allowing the necessary access for audits and compliance.
With Arc Studio, Circle is bringing these blockchain and stablecoin tools into an AI-based development workflow. Developers can generate an application from a prompt, test it, inspect the code and export it to their own environment before deciding how to deploy it.
