Live on Arc Testnet · kudiarc.xyz

Meet KudiArc

The simplest way for Africans to swap stablecoins, send money home, and earn real yield — all without needing ETH.

🚀 Try the dApp 📁 GitHub
0.30%
Swap fee
10
Countries
4.86%
APY Yield
97/100
Security
📋 Table of Contents
01 · Introduction

What is Kudi Arc?

A full financial toolkit for Africans — built on the blockchain, designed for simplicity.

"Kudi" means money in Hausa and Yoruba — Nigeria's two most spoken languages. "Arc" is the blockchain we built on. Together: money on Arc.

Kudi Arc is a decentralised application (dApp) built on Arc Network — the first blockchain where gas is paid in USDC instead of ETH. This means African users only need USDC to use the entire platform. No ETH. No complicated setup. Just connect your wallet and go.

We combine three powerful financial tools in one place: FX Swap, Remittance, and Yield. Products that normally require three different apps, multiple KYC processes, and a lot of friction — Kudi Arc puts them all in one clean interface.

02 · The Problem

What Problem Are We Solving?

Africa has three compounding financial problems that affect over 1.4 billion people.

💱
Forex Scarcity
Nigeria's CBN restricts USD access. The parallel market charges a massive premium over official rates.
30%+ premium
💸
High Remittance Fees
Sending money to Africa costs a fortune. The World Bank reports an average of 8.5% per transfer.
8.5% avg fee
📉
No Real Yield
Nigerian savings accounts offer 4-6% APY in NGN — a currency that lost 70% against USD in 2023.
-70% in 2023
⛽
ETH Gas Barrier
Every other DeFi app requires ETH for gas. Most African crypto users only hold USDC — not ETH.
Blocked out
✅
Kudi Arc fixes all four
Live FX rates at 0.30% fee · Sub-1% remittance target · 4.86% APY in real USD · USDC is gas on Arc — no ETH needed
03 · Core Products

Three Products in One App

Each product solves a specific problem. Together they cover your entire crypto-to-cash journey.

1
⇄ FX Swap — Kudi Swap
Swap between USDC and EURC at live market rates. The rate is pulled from real FX data every 5 minutes and displayed before you confirm. Your transaction is protected by slippage tolerance — if the rate moves too much before your swap goes through, it automatically cancels.
0.30% fee Live rates Slippage protection USDC ↔ EURC
2
📤 Send Money — Kudi Send
Send USDC or EURC from your wallet — your recipient gets local cash in their bank account or mobile wallet. You sign the transaction in your wallet (no passwords), and our system routes the payment to the right payout partner (Bitnob for Nigeria, Flutterwave for Kenya/Ghana, Wave for Francophone Africa).
10 countries Bank transfer Mobile money NGN · KES · GHS · XOF
3
📈 Yield — Kudi Yield
Put your idle USDC to work. Deposit USDC and receive USYC — a tokenized money market fund backed by short-duration US Treasury Bills, issued by Circle on Arc. Your USYC grows in value every day automatically. No staking. No claiming. Just hold and earn. Withdraw any time.
4.86% APY US T-Bills backed No lock-up Earn in USD terms
04 · How It Works

How Does Kudi Arc Work?

The full journey from connecting your wallet to receiving cash — explained simply.

1
You connect your crypto wallet
Open kudiarc.xyz on MetaMask or Rabby browser. Click "Connect Wallet". Arc Testnet is added automatically — no manual setup needed. Your wallet address is your identity. No email. No password. No KYC.
💡 Works on MetaMask, Rabby, and any WalletConnect-compatible wallet
2
You fund your wallet with USDC
Get testnet USDC for free at faucet.circle.com. On mainnet, you'll send real USDC from any exchange (Binance, Coinbase, etc.) to your wallet. USDC also pays your gas fees on Arc — no ETH needed.
🚰 Testnet is 100% free — experiment without risk
3
You choose what to do
Pick from three options: Swap your stablecoins, Send money to a bank account, or Deposit for yield. Each action is clear, with live rates and a preview of exactly what you'll receive before you confirm.
4
You sign in your wallet — not us
Every transaction requires your cryptographic signature in your wallet. This means nobody — not even Kudi Arc — can move your funds without your approval. Two signatures are required: one to approve the token, one to execute the transaction.
🔐 Your keys, your money — always
5
Transaction confirms on Arc blockchain
Arc confirms transactions in under 1 second with deterministic finality. Every transaction is permanently recorded on the blockchain and verifiable on testnet.arcscan.app. You get a reference number for every send.
6
Recipient gets local cash
For Send transactions, our payout partners (Bitnob, Flutterwave, Wave) convert the stablecoin to local currency and credit the recipient's bank account or mobile wallet — typically within minutes on mainnet.
🏦 Supports GTBank, OPay, Kuda, M-Pesa, MTN MoMo, Wave and more
05 · Getting Started

Step-by-Step Guide

From zero to your first transaction in under 5 minutes.

🔧 SETUP (First Time Only)
1
Install MetaMask or Rabby
Download MetaMask (metamask.io) or Rabby (rabby.io) as a browser extension or mobile app. Create a new wallet and save your seed phrase somewhere safe — this is the ONLY way to recover your wallet.
↗ Get MetaMask
2
Open Kudi Arc and connect
Go to kudiarc.xyz. Click the green "Connect" button in the top bar. Your wallet will ask permission to connect — click "Connect". Arc Testnet network is added automatically.
↗ Open kudiarc.xyz
3
Get free testnet USDC
Visit faucet.circle.com, connect your wallet, and claim free USDC on Arc Testnet. This USDC has no real value — it's for testing. You can claim multiple times. You need USDC to pay gas fees too.
↗ Circle Faucet
⇄ MAKE YOUR FIRST SWAP
4
Go to Swap tab
On the Swap page, you'll see the live rate (e.g. 1 USDC = 0.8697 EURC). Enter an amount in the "You Send" field. You'll instantly see how much EURC you'll receive, the fee, and the NGN equivalent.
5
Click Swap and approve in wallet
Click the Swap button. Your wallet will pop up twice: first to approve the USDC spend (Step 1/2), then to execute the swap (Step 2/2). Confirm both. The swap completes in seconds and you'll see your new EURC balance.
📤 SEND MONEY TO A BANK ACCOUNT
6
Go to Send tab
Choose your send token (USDC or EURC), enter the amount, and select the recipient's country. The live exchange rate and NGN/KES/GHS equivalent are shown instantly.
7
Enter recipient bank details
Choose delivery method (Bank Account or Mobile Money). For Nigeria, select the bank from the dropdown (26 banks supported). Enter account number and account name. For other countries, enter mobile number.
8
Review and sign
A confirmation modal shows all details — amount sent, amount received, fee, recipient. Review carefully, then click "Sign & Send". Approve in your wallet. A reference number is generated for tracking.
📈 EARN YIELD WITH USYC
9
Get USYC allowlist approved
USYC is a regulated product. Circle requires one-time wallet approval. DM @KudiArc on X with your wallet address and we'll help get you approved. Takes 24-48 hours.
10
Deposit USDC → receive USYC
On the Yield tab, enter how much USDC to deposit. You'll see the USYC you receive and your estimated yearly earnings. Click Deposit, approve in wallet. Your USYC position grows in value automatically — no claiming needed.
06 · Coverage

10 African Countries Supported

Send to bank accounts or mobile wallets across Sub-Saharan Africa.

🇳🇬
Nigeria
NGN · Bitnob · GTBank, OPay
🇰🇪
Kenya
KES · Flutterwave · M-Pesa
🇬🇭
Ghana
GHS · Flutterwave · MTN MoMo
🇿🇦
South Africa
ZAR · Flutterwave · Bank
🇸🇳
Senegal
XOF · Wave · Orange Money
🇨🇮
Côte d'Ivoire
XOF · Wave · MTN MoMo
🇨🇲
Cameroon
FCFA · Wave · Orange Money
🇹🇿
Tanzania
TZS · Flutterwave · M-Pesa
🇺🇬
Uganda
UGX · Flutterwave · Airtel
🇷🇼
Rwanda
RWF · Flutterwave · MTN MoMo
🗺️
Expanding to 20+ countries on mainnet
Ethiopia, Tanzania, Mozambique, Egypt and more coming in Phase 6. Want your country added? Join our Discord.
07 · Why Us

Why Choose Kudi Arc?

We're not just another DeFi app retrofitted for Africa. We built for Africa from day one.

⛽
No ETH Needed
Arc Network uses USDC as gas. The #1 barrier for African DeFi users is completely removed.
🌍
Africa-First Design
Built by a Nigerian developer, for African users. NGN rates shown everywhere. Local banks supported.
💰
Lowest Fees
0.30% swap fee. Target below 1% for remittance. Bitnob charges 1-2%. Western Union charges 5-8%.
🔐
Transparent & Verified
Smart contract is open-source, verified on Arcscan, and audited. 97/100 threat score. 0 critical bugs.
📈
Real Yield in USD
4.86% APY backed by US Treasury Bills. Not in NGN that devalues — in USD-denominated USYC.
⚡
Sub-Second Finality
Arc confirms transactions in under 1 second. No waiting, no uncertainty, no re-org risk.
08 · Comparison

How We Compare

Kudi Arc vs the alternatives Africans use today.

Feature Kudi Arc Western Union Bitnob Uniswap
Send fee <1% (target) 5–8% 1–2% N/A
Swap fee 0.30% N/A N/A 0.30%
Needs ETH ✓ No ✓ No ✓ No ✗ Yes
Yield on savings ✓ 4.86% APY ✗ None ✗ None ✗ No
NGN settlement ✓ Yes ✓ Yes ✓ Yes ✗ No
Open source ✓ MIT ✗ No ✗ No ✓ Yes
Verified contract ✓ Arcscan N/A N/A ✓ Yes
09 · Security

Security & Trust

KudiSwap V2 was built with multiple layers of protection. Here's what's under the hood.

✓
Reentrancy guard on all fund functions
✓
5-minute timelock on rate updates
✓
24-hour timelock on withdrawals
✓
50% max withdrawal per transaction
✓
Minimum liquidity always maintained
✓
Rate bounds ±20% prevent manipulation
✓
SafeERC20 for all token transfers
✓
Two-step ownership transfer
✓
Fees separated from liquidity
✓
Zero critical vulnerabilities
🛡️
SolidityScan Audit — 97/100 Threat Score
Verified on Arcscan · MIT open-source license · Contract: 0x8a10D0e61201000B5456EC725165892B08832C5f
10 · Roadmap

Where We're Going

From testnet to becoming the financial infrastructure of Africa.

✅ Done
USDC ↔ EURC swap on Arc Testnet — verified contract, audited
✅ Done
NGN remittance + 10 country support — bank & mobile money
✅ Done
USYC yield tab — 4.86% APY, Circle allowlist approved
✅ Done
Multi-currency rates — NGN, KES, GHS, ZAR, XOF, FCFA
✅ Done
kudiarc.xyz domain + HTTPS + professional UI
🔄 Now
Bitnob + Flutterwave live API integration for real payouts
🔄 Soon
Arc Mainnet deployment when mainnet launches in 2026
📋 Planned
AMM model (x*y=k) — trustless pricing, open liquidity
📋 Planned
Chainlink oracle for rate anchoring
📋 Planned
Multi-chain: Base, Stellar, Polygon via Circle CCTP
📋 Planned
Mobile app (React Native) for Android & iOS
Ready to Try Kudi Arc? 🚀
The testnet is live, free to use, and works exactly like the real product.
Connect your wallet. Get free USDC. Start exploring.
🔗 Open kudiarc.xyz 💬 Join Discord 📁 GitHub
Built by Musa · Nigeria 🇳🇬 · Made on Arc Network · Powered by Circle USDC, EURC & USYC