Your money should work harder.

Spend privately. Earn from every tap. Give your AI an allowance it cannot overspend.

Self-custody by design
Private spending by default
Built for Arc

One account

Everything your money should be doing

Arcenzia combines everyday spending, automatic rewards and controlled agent payments in one self-custodial account.

Explore all 6
Shoppers walking a sunlit city street with shopping bags
Cashback receivedFrom your everyday spending
+$0.06
✓ Moved to your rewards vault
Rewards

Cashback that keeps earning

Your reward arrives when you spend, then moves into a vault designed to keep working.

Your balanceVisible only to you $4,820••••• Purchase historyShielded by default Privacy is on
Privacy

Shielded by default

Your balance and purchase history stay private instead of sitting openly on a public ledger.

A woman with short natural curls reviewing her agent settings on a laptop
✦
Your agent. Your rules.
Spending allowance$31 / $50
Agent payments

Agent allowances

Set a hard budget, merchant rules and a kill switch before an agent can spend a cent.

•••• •••• •••• 4820YOUR EVERYDAY, UPGRADED Ready for your next tap
Virtual card

A card in seconds

Create a virtual card instantly and start spending without waiting for plastic to arrive.

Two friends reviewing their shared savings plan together
AB
One vault. Shared goals.Our next adventure
A Alex contributed+$25.00
B Sam contributed+$40.00
Together

Shared vaults

Save and spend together while every member keeps a clear view of the shared balance.

Your laptopTrusted device New phoneAccess restored Securely restored
Recovery

Recover on any device

Restore your wallet, revoke a lost device and carry on without asking us to unlock your money.

A customer making a contactless payment
A little reward. A new beginning.Cashback → rewards vault

Everyday spending

Tap once. Get paid twice.

Your purchase settles and your cashback starts earning automatically. There is nothing extra to claim and no points to decode.

  • ✓Instant transaction notifications
  • ✓Cashback streamed automatically
  • ✓A clear history only you can read

Make idle money useful

Build your money
for tomorrow

Put the USDC you already hold to work through curated onchain vaults, while keeping a clear path back to spending.

9:41▮▮▮ ▰
ArcenziaRewards
Rewards vault$84.72   Working automatically
~4%Variable rate on cashback

Little rewards. Real momentum.

Cashback receivedEveryday spending+$0.06
Moved to rewards vaultAutomatically allocated+$0.06
Vault earningsReceived+$0.24

Security, built in

Your money.
Your rules.
Wherever you are.

Keep your keys, control your spending and choose what you share. Protection that stays with your account.

a
Arcenzia NowPayment completeCafé Aurora · $3.80
✓
Cashback receivedAdded to your rewards vault

Instant notifications

Keep track of every tap, with spending and reward updates in one place.

Balance••••••
Activity••••••
Your details••••••
✓   Only share what you choose

Private by default

Keep your balance and purchases private. Prove only what is required.

Your devices
▯   This phoneActive
▱   Other deviceConnected

Your keys stay yours

Restore your wallet on another device and revoke a lost device in one place.

Agent allowanceYou decide
$31 / $50
Approved merchantsYour selection
Spending limitEnforced

Hard spending caps

Set an agent’s budget before it spends. Pause or revoke permission at any time.

Made for your everyday

The Arcenzia app · Overview

Your whole account.
One beautiful place.

See spending, rewards, vault earnings and agent permissions without switching between wallets.

01 / 05

A little clarity

Good questions.
Straight answers.

Get to know Arcenzia, from how your money works to when you can get started.

EARLY ACCESSA better everyday
starts here.

Get updates as Arcenzia takes shape.

01What is Arcenzia?

A self-custodial neobank being built on Arc, combining everyday USDC spending, earning features and AI allowances in one account.

02How will spending work?

The planned Arcenzia card lets you spend USDC within limits you control. Country availability will be announced before launch.

03How will cashback work?

Eligible cashback will automatically enter an earning vault, keeping your rewards working after you pay. Returns are variable and carry risk.

04How will AI allowances work?

Set your agent’s budget and spending permissions. We’re building controls to enforce limits, track payments and let you revoke access anytime.

05When can I get started?

Join the waitlist for early access, testing opportunities and updates on supported countries and launch dates.