Funds

Partner integration guide draft · English v1.0 · 20 October 2026 Distribution OS · Getting Started · Funds product guide Distribution OS connects every product in the ARCO Funds catalog to partner applications. Partners offer tokenized money market, bond, equity and residential private credit products inside their own service, and customers pay with ArcoUSD through one common purchase and redemption flow. The Funds product guide defines each product’s exposure, reference figures, rights and risks; this page describes what a partner integrates and displays.

Products partners can distribute

Strategy group	Product	Manager or platform	Underlying exposure
Cash Management	uMINT	UBS Asset Management	UBS Money Market Fund; short-term money market exposure
Cash Management	iBENJI	Franklin Templeton	Franklin OnChain Institutional Liquidity Fund; U.S. Treasury bills, Treasury-backed repo and cash
Cash Management	RRDY	Fidelity Investments	Reserve-Grade U.S. Treasury Strategy; U.S. Treasury money market exposure
Income Strategies	CMBBOND	CMB International Asset Management	CMBI Investment Grade Bond Fund; global investment-grade bonds and debt instruments
Income Strategies	HOME	NUVA · Figure	U.S. residential HELOC vault; Figure-originated home equity loans with a first-loss equity structure
Equity Exposure	JX	SBI Asset Management	SBI Japan High Dividend Equity Strategy; income-oriented Japanese equities with growth potential
Equity Exposure	KTW50	KGI Asset Management	KGI Taiwan TOP 50 Fund; Taiwan blue-chip equities weighted by market capitalization
Equity Exposure	bEQTY	BNY Investments	DigiFT U.S. Equity Income Fund; U.S. equity income strategy against the S&P 500 NR Index

All eight products use the same Distribution OS integration. DigiFT-linked products and HOME through NUVA and Figure are both connected through ARCO vaults; DigiFT Product References and the HOME guide describe their external roles. Reference AUM, yields and returns are in the launch catalog. Each product’s launch announcement determines when it is enabled for a partner.

Product at a glance

Integration field	Funds
Payment asset	ArcoUSD. A customer holding USDC, USDT or RLUSD first converts it into ArcoUSD on a 1:1 basis.
Position received	The Funds product token linked to the relevant RWA, credited after the external purchase and settlement are confirmed
Price	The product’s NAV or price basis, valuation date, currency, class and costs. Funds tokens do not all have a fixed price of one dollar.
Return treatment	Underlying performance and costs are reflected in product value; any separate distribution follows the product’s policy
Redemption	Standard follows the product’s asset recovery and settlement schedule. Instant is offered where the product provides it, through the Internal Liquidity Sleeve or the OTC Network.
Redemption asset	Defined per product, including whether payout is in ArcoUSD
Payout	Automatic. There is no claim step.
Customer information	Purchases through ARCO vaults do not require the partner to submit customer identification information. Permitted regions and token transfer conditions follow each product’s offering terms.
Costs	External product costs, ARCO purchase and redemption costs, and any Instant Redemption fee, each shown separately in the quote

Purchase flow

Stage	What happens	Partner display
Purchase confirmation	The product, ArcoUSD quantity, price, costs and expected quantity received are confirmed	Review the purchase
Receive and burn ArcoUSD	ARCO accepts the customer’s ArcoUSD and links the burn record to the purchase request	Payment received; the product is not yet credited
Withdraw reserve assets	USDC, USDT or RLUSD is withdrawn from the ArcoUSD treasury according to the target RWA’s payment requirements	Processing
External purchase and settlement	The asset is acquired through the product’s issuance, distribution and settlement procedures	Processing
Receive the product	Settlement is confirmed and the Funds product token is credited to the recipient	Confirmed holding

The ArcoUSD burn alone does not complete the purchase. Do not show product tokens awaiting issuance as a received balance. The product terms define the treatment of price changes, external purchase delays and settlement failures, including refunds or reprocessing. If a refund requires ArcoUSD to be reissued, it follows separate approval and records, and the original burn record is retained.

Redemption flow

Route	When it applies	What happens
Standard	The product’s default route	The request is accepted, the underlying asset is recovered and settled, and the payout is sent to the recipient automatically
Instant through the Internal Liquidity Sleeve	The product offers Instant and internal liquidity covers the request	Product tokens are burned and the payout is made together, with a redemption fee shown in the quote
Instant through the OTC Network	The product offers OTC liquidity and an executable quote is accepted	The tokens are transferred to the liquidity partner or burned, according to the quote and settlement method

A redemption request or token processing alone does not establish completed payout. Show the redemption as complete only after the payout asset reaches the recipient. In an OTC acquisition, a token transfer to the buyer is not a burn.

Positions and returns

Display Funds holdings with the definitions in Positions & Performance.

Display item	How to derive it
Confirmed holding	Product tokens credited to the recipient after settlement
Purchase in progress	ArcoUSD burned for a purchase whose settlement is not yet confirmed; do not show it as a holding
Holding value	Quantity × the product’s NAV or price, with its source, valuation date and currency
Redemption in progress	The outstanding request and its token treatment; do not also count it as a holding
Distributions	Separate entitlements or paid amounts under the product’s policy, distinguished from performance reflected in price

External product AUM and returns describe the underlying product, not ARCO vault holdings or a customer’s return. Seven-day yield, yield to maturity, target net APY and historical returns measure different things; label each with its basis and period.

Integration fields to read per product

Dimension	Information to read in the selected product’s specification
Investment exposure	The underlying fund, class, assets and investment strategy
Performance basis	The valuation currency, NAV or price basis, observation period and costs
Redemption asset	The payout asset and representation, payout network and recipient conditions
Return treatment	Performance reflected in price, separate distributions or other treatment under the product’s policy
Regions and transfers	Permitted regions and token transfer conditions, including relevant external-product restrictions
Subscription and redemption	Acceptance, price fixing, allocation, recovery, settlement and verified receipt for the offered route

The applicable contract defines whether a customer’s position represents direct external holdings or separate rights linked to the underlying product. API integration does not change the product’s transfer restrictions or legal rights.

Interface notes

Funds confirmation, subscription processing and position allocation are distinct outcomes. A general deposit contract’s transfer and mint behavior is not evidence that it executes the complete Funds flow; use the Funds release specification for the actual interface.
Convert quantities to integers in each token’s smallest units, and store the purchase and redemption request identifiers. After a timeout, resolve the original request before submitting another.

Risks to disclose

Asset-specific price, credit, interest rate, currency and liquidity risks can cause losses. External purchase and settlement can be delayed, and redemption timing follows each underlying product’s business days, cutoffs and settlement cycle. See Access & Risk and the Funds product guide.

About ARCO

ARCO Products

Distribution OS

Liquidity and Product Use

Pricing and Transparency

Security and Product Terms

Resources

Products partners can distribute

Product at a glance

Purchase flow

Redemption flow

Positions and returns

Integration fields to read per product

Interface notes

Risks to disclose

Continue the integration

​Products partners can distribute

​Product at a glance

​Purchase flow

​Redemption flow

​Positions and returns

​Integration fields to read per product

​Interface notes

​Risks to disclose

​Continue the integration

Products partners can distribute

Product at a glance

Purchase flow

Redemption flow

Positions and returns

Integration fields to read per product

Interface notes

Risks to disclose

Continue the integration