Executive Dashboard
Overview of key financial metrics, inflow/outflow ratios, and wallet status.
Circle Product Integrations
5 of 6 Circle Products fully connected to your SME console
USDC on Arc
Primary stablecoin settlement rail. All transactions denominated in USDC.
Live
Implementation Method
Direct ERC-20 contract interaction via viem + wagmi. Balance reads via useReadContract, transfers via useWriteContract.
Circle Documentation
Active key: sk_live_arc_usd...
App Kit — Send
Wallet-to-wallet USDC transfers on Arc. Powers the Send USDC feature.
Live
Implementation Method
USDC transfer() call on Arc Testnet. Real on-chain transaction with Arcscan verification.
Circle Documentation
Active key: sk_live_send_ki...
App Kit — Bridge (CCTP)
Cross-chain USDC bridge using burn-and-mint CCTP v2. Powers the Treasury Radar.
Live
Implementation Method
Multi-chain balance reads via wagmi useReadContract across Ethereum Sepolia, Base Sepolia, Arbitrum Sepolia, and Arc Testnet.
Circle Documentation
Active key: sk_live_bridge_...
App Kit — Swap
USDC↔EURC stablecoin FX swap on Arc. Multi-currency treasury management.
Architecture Ready
Implementation Method
App Kit kit.swap() API. Requires KIT_KEY from Circle Console. UI and routing logic implemented.
Unified Balance
Aggregates USDC across Ethereum, Base, Arbitrum, and Arc into a single spendable balance.
Live
Implementation Method
Multi-chain balance aggregation via parallel contract reads. Treasury Radar visualization shows unified view.
Circle Documentation
Active key: sk_live_unified...
Modular Smart Accounts
Passkey-authenticated smart contract wallets powered by Circle Modular Wallets.
Live
Implementation Method
Circle Smart Account with WebAuthn biometrics and gasless transaction sponsorship.
Circle Documentation
Active key: sk_live_user_wa...
API Monetization Credentials
x402 ActiveMonetization Revenue$0.0000 USDC
Paid Queries Served0 Requests
Exposes real-time cash flow & metrics to external scoring engines. Cost per query: $0.0001 USDC.
Integrating in AI Credit Scorers
// Query protected financial metrics
const res = await fetch("/api/metrics", {
headers: {
"payment-signature": Buffer.from(JSON.stringify({
signature: "0x_eip3009_sig...",
invoiceId: "inv_..."
})).toString("base64")
}
});
const metrics = await res.json();
Go to x402 API Marketplace Nanopayment Flow Simulator
Click "Run Simulation" to trace the x402 challenge flow
Circle Product Feedback
Why we chose these products
CashFlow360 is an analytics-first SME cash flow platform that requires real-time on-chain data, cross-chain treasury visibility, and instant settlement. Circle's USDC on Arc provides predictable, dollar-denominated transactions essential for financial analytics. App Kit's Send, Bridge, and Swap capabilities give SMEs a complete treasury management toolkit.
What worked well
- Arc's sub-second finality makes real-time analytics genuinely real-time
- USDC as native gas token eliminates the gas token onboarding friction
- Unified Balance concept perfectly maps to our Treasury Radar feature
- CCTP's burn-and-mint model gives confidence in cross-chain balance integrity
What could be improved
- App Kit TypeScript types could be more ergonomic for wagmi v2 integration
- A pre-built React component for Unified Balance visualization would accelerate development
- More granular webhook events for transaction categorization would enhance analytics
- Transaction history API or indexer service would reduce client-side event scanning overhead
Recommendations
- Provide an official "Treasury Dashboard" template for SME use cases
- Add transaction tagging/categorization to the USDC contract or via an indexer
- Consider a React SDK with pre-built components (balance cards, flow charts, bridge modals)