Arc's Earn Kit Lowers the Bar for In-App Lending @arc has launched Earn Kit, a new SDK designed to make it easier for wallet developers and fintech builders to add lending products directly i
@arc has launched Earn Kit, a new SDK designed to make it easier for wallet developers and fintech builders to add lending products directly inside their apps. Earn Kit lets developers offer in-app earn opportunities through lending protocols like Morpho, while keeping the full user experience inside their application.
The toolkit acts as an API kit that lets a fintech or enterprise embed curated Morpho Vaults into its own app, so users can earn on idle assets without the team having to build credit infrastructure or bootstrap both sides of a lending market themselves.
Developers can integrate third-party USDC and EURC lending opportunities without stitching together DeFi infrastructure themselves. The SDK also supports crosschain deposits through Circle's CCTP and includes built-in gas sponsorship, removing two common friction points for teams building across multiple networks.
Apps using Earn Kit can track deposits, accrued returns, and withdrawals in real time, while users retain custody of their own wallets throughout.
The launch sits inside a broader push by Arc to position Morpho as the primary lending engine on its network. Morpho is the leading onchain credit network by USDC deposits, with around $2.8 billion of USDC deposited as of July.On Base, Coinbase built its crypto-backed loans and USDC lending on Morpho, with more than $1.4 billion in active USDC loans and over $500 million in USDC deposited in Coinbase Lend.
The same playbook is now available to teams looking to integrate credit products on Arc.Arc App Kits is described as a unified SDK for core onchain fund flows, letting developers add payments, swaps, onramps, and yield in a few lines of code. Earn Kit sits within that suite alongside the previously released Onramp Kit.
Day-one deposits on Arc surpassed $150 million across USDC and EURC vaults. Early integrations include Pulsar Money and SafePal, with SafePal, one of the leading hardware self-custody solutions, now providing access to USDC yield on Arc powered by Morpho.
For smaller teams in particular, the appeal is straightforward: access to curated Morpho-based lending opportunities without writing separate smart contract integrations, and a ready-made gas sponsorship layer that avoids passing transaction costs on to end users.
Sources:Arc Mainnet Launch: The Economic OS for the Internet (arc.io)Morpho Is Live on Arc as Its Credit Infrastructure (morpho.org)Morpho Enables cirBTC Deployment on Arc Lending Markets (Crypto Briefing)
