Welcome to Arc 101, a series about building with programmable money on a stablecoin-native blockchain built for global commerce. In Episode 1, we introduce Arc: an EVM-compatible Layer 1 blockchain purpose-built for programmable money, tokenized assets, and the agentic economy. Arc is designed to address four barriers that have kept existing blockchain infrastructure from meeting the needs of real-world finance: • Stablecoin-denominated fees, starting with USDC • Native interoperability across chains through CCTP and Gateway • Sub-second deterministic finality • Configurable, opt-in privacy for institutional workflows Visit arc.io for more. Arc testnet is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. Arc has not been reviewed or approved by the New York State Department of Financial Services. The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice. USDC is issued by regulated affiliates of Circle. See Circle’s list of regulatory authorizations (https://circle.com/legal/licenses). Circle Technology Services, LLC ("CTS") is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. For additional details, please see the Circle Developer terms of service, available at console.circle.com/legal/developer-terms. StableFX is offered by Circle Technology Services, LLC (“CTS”). CTS is a software provider and does not provide regulated financial or advisory services. You are solely responsible for services you provide to users, including obtaining any necessary licenses or approvals and otherwise complying with applicable laws. StableFX is a collection of API and on-chain smart contracts that enable data sharing between counterparties to a transaction without intermediation by CTS. CTS’s role is limited to broadcasting information between the relevant parties and to the on-chain smart contract that enables settlement directly between the relevant parties. CTS does not accept or transmit digital assets on behalf of StableFX users. The product features described in these materials are for informational purposes only. All product features may be modified, delayed, or cancelled without prior notice, at any time and at the sole discretion of Circle Technology Services, LLC. Nothing herein constitutes a commitment, warranty, guarantee or investment advice.

Arc Public Mainnet will launch September 16, 2026. After operating in private mainnet with more than 100 institutional and ecosystem builders, Arc is preparing to open its purpose-built financial infrastructure to developers and businesses worldwide.

CEO Jeremy Allaire and CFO Jeremy Fox-Geen review Circle’s Q2 2026 financial results. Investor Relations: investor.circle.com