Arcus

Arcus builds Bitcoin-native lending and yield. Funds sit in multi-signature pools, borrowers post Bitcoin or BRC-20 assets as collateral at a ratio of at least 150%, and interest floats with pool utilisation: the higher the borrowed share, the more deposit rates rise to attract supply. Each address carries a credit score that shapes borrowing limits and rate tiers, liquidation is triggered jointly by the multi-signature and monitoring programs, and the institutional edition adds Fireblocks MPC custody with business verification and whitelisting.

The product has three layers: yield accounts for family offices, over-collateralised credit lines, and a lending API that exchanges and wealth platforms can embed. The toolchain supports UniSat wallets and Taproot addresses, and partnerships with Joltz for Bitcoin payments and with Bitcoin Startup Lab connect layer-one assets to credit markets without wrapping them into Ethereum tokens first.