ARCO Vault Product Guide

Mainnet product guide draft · English v1.0 · 7 October 2026 ARCO Vaults connect dollar stablecoins, real-world assets (RWAs) and crypto native strategies to onchain products through a shared infrastructure. Product tokens record holdings, while pricing, deposits, redemptions and asset settlement connect those holdings to the underlying assets and strategies. This infrastructure supports ArcoUSD as a dollar exchange unit, Savings for participation in yield strategies, and Funds for access to individual RWAs. Each product’s specifications and terms define its underlying assets, eligibility and legal rights, supported networks and payment assets, pricing, fees and redemption schedule. Read the common vault structure together with the conditions that apply to the individual product.

About ARCO

Guide	What it covers
About ARCO Vaults	The common structure connecting product tokens, underlying assets, pricing, deposits and redemptions
ARCO Ecosystem	How assets and strategies, custody and settlement, liquidity and application services connect

ARCO Products

Product family	Core structure	Key product conditions
ArcoUSD	Converts supported USDC, USDT and RLUSD to arcoUSD on a 1:1 basis. Reserves combine an available stablecoin buffer and MMFs	Normal exchange conditions, fees, reserve assets and payout liquidity. Distinguish holding ordinary arcoUSD from participating in Savings
Savings	Stablecoin Savings through arcoUSD deposits and sarcoUSD receipt, and asset-specific crypto native Savings such as ETH and XRP	Deposit, receipt and redemption assets; how returns, losses and fees affect price; strategy-specific withdrawal conditions
Funds	Receives and burns arcoUSD, uses treasury reserve assets to purchase and settle RWAs, and delivers the corresponding product token	Underlying product and share class, contractual rights, valuation, fees and redemption schedule

DigiFT-linked assets are a representative use of ARCO Vaults. The Funds lineup covers three existing integrations and eight assets planned for onboarding. External product participants, official sources and RRDY materials are collected in DigiFT Product References. A listing or onboarding plan is separate from trading availability and approval to participate.

Liquidity and Product Use

Guide	What it covers
Vault Liquidity Architecture	Standard Redemption and Instant Redemption through the Internal Liquidity Sleeve and OTC Network, liquidity flows and payout conditions
Deposits and Redemptions	Participation requirements, deposits and purchases, token holdings, redemption requests and actual receipt

Pricing and Transparency

Token quantities and the value of the underlying assets or strategies are separate. Ordinary arcoUSD uses a 1:1 basis under normal dollar exchange conditions. sarcoUSD and Funds products that use valuation-based pricing reflect returns, losses and costs in their price. NAV and Returns explains valuation sources and dates, price determination, and how returns and costs are presented. Holding a token alone does not guarantee principal, returns or instant redemption.

Security and Product Terms

Guide	What it covers
Security and Operations	Permissions and fund management, pricing and liquidity controls, settlement, change approvals and incident response
Terms and Risks	Participation and transfer conditions, contractual rights and claim counterparties, custody, fees, redemptions and key risks

ARCO’s vault and application operations connect with asset and strategy management, custody and settlement, and liquidity provision according to each party’s responsibilities. Where an external product is used, its issuance and distribution roles are also identified in the product contract. The applicable contract documents define investors’ rights and each party’s obligations.

Resources

Resource	What it covers
Smart Contracts and References	Contract components, release deployments, ABIs, versions and terminology
Public GitHub Repository	Reference implementations of vaults, tokens, price feeds and APIs
Developer Guide and Quickstart	Integration inputs, call examples, events, errors and recovery
Onboarding and Due Diligence	Document status and requests, participation, contracts, settlement and integration
DigiFT Product References	External roles and official sources for representative products, including RRDY conditions

This documentation is a product guide for designated partners. Product launch dates and trading availability are determined by each product’s official announcements.

​About ARCO

​ARCO Products

​Liquidity and Product Use

​Pricing and Transparency

​Security and Product Terms

​Resources