Arc Wallet

Gem Wallet is a self-custodial wallet for the Arc blockchain, Circle's stablecoin-native Layer 1 where USDC works as both money and gas. Gem Wallet sets up your Arc address in a couple of minutes and lets you send, receive, swap, and buy USDC and other stablecoins without holding a separate coin just to cover fees - each transaction costs a predictable dollar amount. Your keys stay on your device, and Arc sits alongside every other network in the same app under one recovery phrase. No accounts, no tracking.

Also available on other platforms →

What Is the Arc Blockchain?

Arc is a Layer 1 blockchain built by Circle, the company behind USDC, and designed from the ground up for stablecoin settlement rather than speculative trading. The network runs Malachite, a high-performance implementation of Tendermint BFT consensus, and reaches deterministic finality in under a second - a confirmed transfer cannot be reorganized or reversed. Execution is handled by Reth, so Arc is fully EVM-compatible and works with standard 0x addresses and Ethereum tooling. Circle’s own infrastructure - USDC, the CCTP cross-chain protocol, Gateway, and institutional on- and off-ramps - is integrated at the protocol level. Arc has run as a public testnet since 2025, and the Arc mainnet is scheduled to launch on September 16, 2026.

No Gas Token Needed: USDC Pays for Itself on Arc

On most networks, holding a stablecoin is not enough to move it. To send USDT TRC20 you need TRX in the same wallet to cover the fee, and to send USDC on Ethereum or any other ERC20 token you need ETH - a transfer fails if the gas balance is empty, even when the stablecoin balance is full. Arc removes that second asset entirely. USDC is the native gas token, every fee is denominated in USDC, and the network smooths gas prices over time so the cost of a transfer stays around one cent instead of following a volatile coin. Arc has no separate native token to buy, hold, or run out of: the USDC in your wallet is both the money you send and the fee you pay to send it.

What Is an Arc Wallet and Why Do You Need One?

An Arc wallet is an app that creates and manages your address on the Arc blockchain so you can hold, send, and receive USDC and other stablecoins on Arc rails. Because Arc is EVM-compatible, the address is a standard Ethereum-style 0x address, but the wallet has to connect to the Arc network, keep a separate USDC balance on the Arc ledger, and pay fees in USDC rather than in a gas coin - a generic stablecoin wallet without Arc support will not see the funds. Gem Wallet is a self-custodial Arc blockchain wallet: the private keys are generated and encrypted on your device, the same recovery phrase covers Arc and every other supported network, and your digital dollars stay under your control instead of on an exchange.

Arc Network at a Glance

Parameter	Arc
Type	Stablecoin-native Layer 1 blockchain
Built by	Circle, the issuer of USDC
Mainnet launch	September 16, 2026
Consensus	Malachite (Tendermint BFT)
Finality	Under one second, deterministic, no reorganizations
Throughput	3,000+ transactions per second
Gas	Paid in USDC, no native token
Target transaction fee	About $0.01
EVM compatibility	Yes, standard 0x addresses and Ethereum tooling

Source: arc.io, as of September 2026.

Download Gem Wallet and use the Arc blockchain the way Circle built it - USDC transfers that settle in under a second, with the fee paid in the same USDC and the keys held only by you.

Why Choose Gem Wallet as Your Arc Wallet

Gem Wallet is a Arc wallet where you control your keys and your funds. The code is publicly available on GitHub. Your activity is not tracked, and you can buy, swap, and use Arc directly from the app.

Control and Self-Custody

Full control of your private keys and secret phrase. No third party can access or restrict your USDC Arc. Your USDC Arc is truly yours.

Privacy Protection

No tracking, no personal information, no data collection. Complete privacy and control over your Arc.

Audited

Publicly available code on GitHub, independently audited by CertiK in April 2026.

Multi-Platform

Available on iOS, Android, and APK. Your Arc wallet works wherever you go.

Arc Wallet in Multiple Languages

Supporting 25+ languages including English, Spanish, Chinese, Russian, and Arabic. Fully localized for worldwide accessibility.

Built-In Arc Services

Buy Arc with 30+ payment methods. Swap USDC Arc through integrated DEX aggregator. Manage all crypto assets in one secure place.

Comparison: Gem Wallet vs Exchange Wallets

See how storing Arc in Gem Wallet differs from keeping it on exchanges

Feature	Gem Wallet	Exchange Wallets (Binance, Coinbase)
Registration Required	✅ None	❌ Full KYC
Personal Data Collection	✅ None	❌ Extensive (ID, address, selfie)
Open-Source	✅ Fully transparent	❌ Closed source
Private Keys Control	✅ Yes	❌ No
Account Freezing	✅ Impossible	❌ Possible
Setup Time	✅ 2 minutes	⚠️ 1-7 days (KYC verification)

Professional Security Features

Biometric Authentication: Use Face ID, Touch ID, or fingerprint to secure your wallet
PIN Protection: Set a strong PIN code as an additional security layer
Encrypted Backups: Your secret phrase is stored securely and never leaves your device
Regular Security Audits: Independent security reviews ensure wallet integrity. Learn more about security →

Gem Wallet private key security and self-custody crypto wallet features

What Arc Users Say About Gem Wallet

DariaGalli

Aug 7, 2025

"Great 👍🏻 I've been using this wallet for Bitcoin and USDT it's easy to use, and the design's actually..."

mitu Akter2

Feb 11, 2026

"Excellent crypto wallet! The app is very easy to use, even for beginners. Transactions are fast and secure, and I really like the clean interface. Setting up the wallet was simple, and I feel confident about the security features."

Cryptouser22

Mar 26, 2025

"Very fast customer support response , it was much appreciated"

Borisza1

Dec 26, 2025

"Very fast and easy app to use fast transfers"

Danish

Jan 11, 2026

"fantastic wallet simple, easy to use, friendly, interface secure with many more great features. I think, this is perfect for nowadays needs and fast crypto transactions."

NewbieCrypto_2024

Dec 15, 2025

"Perfect for beginners. Set it up in under 2 minutes and bought my first Bitcoin through the wallet. Super easy!"

Sabana

Dec 30, 2025

"Gem Wallet offers a clean interface and solid security for managing crypto assets. Transactions are smooth, and the wallet feels reliable for everyday use."

LadyTech777

Dec 12, 2025

"I wanted something easy to use, fast wallet with multiple old and new chains. Finally found all of this in Gem."

Ahmed Barca

Jan 9, 2026

"best app"

Stickyglow

Apr 10, 2025

"I love how I can cross chain swap btc and eth in base it was fastest swap ever."

Forhad Rahman

Jan 5, 2026

"A well-designed crypto wallet that balances security and usability. Managing assets feels simple, even for someone new to crypto."

RDJ670

Nov 12, 2025

"It's a very cool and fast wallet application which has simple interface...friendly users which make it easy to use."

Shani Jibo

Feb 8, 2026

"Very reliable and easy to use, great experience, will definitely use in the future."

vitos18372

Feb 26, 2025

"I use this wallet, very pleasant experience, will be my main wallet now!!!)))))"

pimptee

Oct 12, 2025

"I'm using gem wallet for some time now and it has been pretty reliable. It support basically every coin you can think of."

Clanos Clanas

Jul 6, 2025

"Good wallet for crypto exchange"

Joa.co

Jan 2, 2026

"Simple and powerful wallet with beautiful native iOS design. I downloaded Gem because I wanted an open source self custodial wallet with support for staking. I'm coming from Unstoppable Wallet which doesn't support staking, so it fills the gap nicely"

Jennifer662

Dec 27, 2025

"Gem Wallet makes crypto simple with fast in-app swaps, wide coin support, and reliable security designed for safe everyday use."

Tamam AlAli

Mar 24, 2025

"After trying the wallet, I really liked it. It is safe, easy to use, and has many of the currencies I need. Thank you. I recommend it."

Sarah_Crypto

Aug 12, 2025

"Switched from Coinbase and never looked back. I actually own my crypto now. The seed phrase backup is straightforward and secure."

How to Set Up a Arc Wallet in 2 Minutes

Quick Setup Guide (3 Steps)

Creating a Arc wallet is simpler than opening a bank account. Gem Wallet guides you through the entire process in minutes, making it accessible for complete beginners.

1. Download Arc Wallet

Arc Wallet: iOS, Android & APK

2. Create Arc Wallet

Create a new wallet, save the secret phrase, and get your address in Arc.

3. Set Up Security for USDC Arc

Enable PIN or biometric authentication and you're ready to go

Create Arc Wallet for iOS

Get your USDC Arc wallet on iPhone (2 min):

Open the App Store and search for "Gem Wallet"
Download and install the app (it's free and under 50MB)
Open Gem Wallet and tap "Create New Wallet"
Write down your secret phrase on paper - this is your master backup
Enable Face ID or set a PIN code for quick and secure access
Done!

Create Arc Wallet for Android

Get your USDC Arc wallet on Android (2 min):

Via Google Play: Search for “Gem Wallet” in the Play Store and install
APK: Download the APK file for maximum privacy and control
Open the app and select "Create New Wallet"
Write down your 12-word secret phrase on paper
Set up fingerprint or PIN authentication
Done!

How to Get a Arc Address

To get a Arc wallet address, you first need to create or import a Arc wallet. After that, the app will generate addresses for you automatically.

1 Open Gem Wallet

Launch the app on your phone and select Arc (USDC Arc) from your asset list.

2 Tap "Receive" Button

You'll see a large button at the bottom of the screen. Your Arc wallet address will be displayed both as text and as a QR code.

3 Copy Your Address

Copy the address to clipboard, share the QR code, or send it directly through messaging apps.

🔄 Unlimited Addresses

In Gem Wallet, you can generate unlimited Arc addresses for free. Each address is derived from your secret phrase and remains under your control forever.

📱 Using QR Codes

✅ No Typing Errors - Scanning prevents copy-paste mistakes
✅ Faster Transactions - Just show your phone screen
✅ Perfect for in-person USDC Arc payments

Frequently Asked Questions

No. Arc launches without a native token - USDC is the gas token, and every fee is paid in USDC. You never need a separate coin just to move your stablecoins, and each transaction costs a predictable dollar amount, targeted at around one cent under normal load. In Gem Wallet, the USDC you hold on Arc covers both your transfers and their fees.

Yes. Arc is EVM-compatible, so your Arc address is a standard 0x address and matches your Ethereum address in Gem Wallet. The balances are separate, though - USDC on Arc lives on the Arc ledger and is not the same balance as USDC on Ethereum. Always select Arc as the network when sending or withdrawing to this address.

The simplest way is to swap inside Gem Wallet - tap Swap, choose any asset you hold as the From asset, choose USDC on Arc as the To asset, and confirm. You can also withdraw from an exchange that supports the Arc network, or move USDC from another chain through Circle’s CCTP, which mints native USDC on Arc rather than a wrapped token. Whatever the route, make sure Arc is selected as the destination network.

Arc reaches deterministic finality in under a second, with no reorganization risk - once a transfer is confirmed, it is final. The network is benchmarked at over 3,000 transactions per second, so USDC payments on Arc settle almost instantly even under load.

Download Gem Wallet from the App Store, Google Play, or as an APK, tap Create Wallet, and write down the 12-word recovery phrase offline. Your Arc address is ready right away, with no email and no account. To use an existing wallet, tap Import Wallet and enter your recovery phrase or private key.