ArcOS is a concept for an agentic stablecoin commerce system that helps businesses reduce unnecessary cash movement by reshaping verified payment obligations before settlement. Instead of simply asking, “Should this invoice be paid?”, ArcOS asks: Can multiple businesses adjust payment timing and settlement terms within approved limits so more obligations cancel each other before money moves? The system uses AI agents to propose settlement options, deterministic policy checks to enforce company mandates, a liquidity optimizer to find compatible clearing rings, and programmable USDC settlement for the final net amount. ArcOS is currently a concept in development for The Stablecoins Commerce Stack Challenge, focused on proving whether negotiated liquidity rings can create economic value beyond ordinary invoice netting and payment automation.
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