Arca is here. Send, save, and spend real dollars from your phone, on iPhone and Android.

People are switching to dollar wallets, and the reasons are not complicated. Currencies wobble while bank transfers still take days, and sending money across a border costs more than it should. The phone in your pocket has gotten better at almost everything except holding dollars.

That changes today. Arca is now available on the App Store and Google Play.

Arca is a dollar wallet built by Constellation Network. The idea is simple: send, save, and spend dollars from your phone. Hold digital dollars backed one for one, tuck some away in savings, and spend the rest through Arca Apps on services that accept them directly. The whole thing is designed to feel like a neobank, not a crypto app. There is no jargon to learn and no separate balance to top up before you can move money. If you have used a checking account, you already know how to use Arca.

"We built Arca around one principle: your wallet and everything in it belongs to you. You hold your own keys, no institution can touch your funds, and you pay a fraction of what conventional services charge to send money internationally. We built it for the world as it actually exists today."

Ben Jorgensen, CEO, Constellation Network

What you can do with Arca on day one

Sign up with an email or a social account in about thirty seconds. Open the app and you will see a balance, three action buttons, and a clean activity feed. Add dollars with a card or a bank transfer. Send dollars in seconds for around 0.5%, where the global average for a cross-border transfer is closer to 6.36%, according to the World Bank Remittance Prices Worldwide dataset. Tuck part of your balance into savings when you want a steadier home for it. Browse Arca Apps to spend your dollars directly with partner services, all without leaving the app.

Receiving feels just as easy. Share a QR code or a link, and dollars land in the recipient's account moments later. There are no wire instructions to forward and no routing numbers to copy out of an email. What used to clear on Monday morning clears now.

Spend dollars without leaving the app

Arca Apps turns your balance into something you actually use, not just something you keep. It is a curated marketplace inside the app where partner services accept Arca dollars directly. Pay for a service, top up an account, buy a digital product, or send a payment to a business whose app lives in the directory. There is no card number to enter and no transfer that needs to clear before you can hit pay. The dollars in your wallet are dollars you can spend the moment you want to.

Built for everyday use, no crypto experience required

Network fees are sponsored by Arca, so you never have to keep a second balance topped up before sending the first one. Confirmations are quick enough that the loading state barely appears. The app handles the technical work in the background and gives you a screen that just shows your money.

You hold your own keys. Your balance lives on your device, under your control. We made the recovery flow simple enough that a first-time user can finish it without help. Anyone who has handled their own keys before will recognize the shape of it.

Open a dollar wallet without ID verification

You do not have to share an ID to open an Arca account, and most people will not need to. Some Arca Apps and services have legal requirements that ask for identity verification before you can use them. When one of those moments comes up, you can complete the check inside the app. Arca remembers the result, and you can pass it to the next partner that asks. One verification, reused across the apps that need it.

Why we built a dollar wallet for everyone

Arca starts as a dollar wallet, but the ambition is bigger than that.

Cross-border payments are where the friction is most obvious today. McKinsey's Global Payments Map put global cross-border flows at roughly $179 trillion in 2024, much of it still moving on financial rails built decades ago, with remittance fees that average around 6.36% globally and wires that can take up to five business days to clear. Settling in seconds for a flat 0.5% is a meaningful first answer, and on its own it would already make Arca useful to the freelancers, families, and small businesses paying that tax every month.

Payments, though, are the easy part of what Arca is for. The harder and more interesting part is what happens once your dollars and your verified identity live in the same place. Complete identity verification once inside Arca and you can hand the result to the next partner that asks, instead of filling out the same forms again on every new service you sign up for. That same identity layer is designed to plug into uses well beyond money over time. Think travel and access programs, healthcare and insurance enrollment, government benefits, employment onboarding, mortgage and loan applications, and even tax filings. One check, reusable across a growing network of trusted services.

That is what Arca Apps is for. It is a curated marketplace where partners plug into the wallet and the identity layer at the same time, so a user can move from one trusted service to the next without re-onboarding. Over time, the marketplace is what turns Arca from a single product into a platform: a single place to hold your money, prove who you are, and use both with the services that matter to you.

We built it for the world as it actually exists today, and for the one we think it should become tomorrow. A wallet, an identity, and a marketplace that finally belong to the person using them.

Download Arca on iPhone or Android

Download Arca on the App Store or Google Play. Sign up with your email or a social account in about thirty seconds. Add your first dollars from a card or a bank, and you are ready to send.

If you want to follow what we are building next, head to arcawallet.app. The team is shipping fast, and there is more on the way.

Frequently asked questions

Is Arca a bank? No. Arca is a dollar wallet you control from your phone. You hold your own keys, and your balance lives on your device.

Do I need to verify my identity to use Arca? You do not need to verify your identity to open an account or to send and receive dollars. A few Arca Apps may ask for identity verification before you can use them. When that comes up, you can complete the check once inside the app and reuse it with other partners that ask for it.

How much does it cost to send dollars with Arca? About 0.5% per transfer. The global average for a cross-border transfer is roughly 6.36%, according to the World Bank Remittance Prices Worldwide dataset.

What can I spend Arca dollars on? Arca Apps is a curated directory of partner services inside the app that accept Arca dollars directly. Pay for a service, top up an account, or send a payment to another app on the list. The directory will keep growing as more partners come online.

Where can I download Arca? Arca is available on the App Store and Google Play.

Important information

Arca is not a bank. Digital dollars held in Arca are not bank deposits, are not FDIC insured, and are not guaranteed by any government entity. Arca's savings feature is not a bank savings account and is not FDIC insured. Any returns are variable and not guaranteed. Past performance does not guarantee future results. Arca does not provide investment, financial, or tax advice. Availability of Arca Wallet, savings, and marketplace services may be subject to jurisdictional restrictions, eligibility requirements, and applicable law.

Apple and App Store are trademarks of Apple Inc. Google Play is a trademark of Google LLC. Neither Apple Inc. nor Google LLC sponsors or endorses Arca Wallet.

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