Onboarding and Due Diligence

Mainnet product guide draft · English v1.0 · 7 October 2026 Docs Home Institutional partners review a product’s rights, custody, pricing, liquidity and operating responsibilities before defining their participation or integration scope. This page sets out the status of product-specific due diligence materials, information to request, and the sequence for KYB, contracts, settlement and integration. Product designs, official external product materials and public reference implementations are available below. Actual contracting entities, custody evidence, release-specific audits and mainnet deployment materials applicable to ARCO currently require product-specific confirmation and supporting links. Confirm each material’s status and review scope before using it in institutional approval procedures.

Products and Roles to Review

First select the product to review from ArcoUSD, Savings and Funds, and define the institution’s role. Investment and holdings, external asset connections, liquidity provision, and app or API integration have distinct contractual and operating scopes. Where an institution performs several roles, its activities and approval scope are distinguished.

Product family	Starting point for review	Product guide
ArcoUSD	Exchange of supported stablecoins, reserves and the party against which holders have claims, and withdrawal and liquidity conditions	ArcoUSD
Savings	Participating strategies, performance, losses and costs, product tokens, and redemption assets and rights	Savings
Funds	Exact underlying products and classes, external issuance, distribution, management and custody, and their connection to ARCO rights	Funds

See Funds for the three existing DigiFT-linked products, eight products planned for onboarding, the parties’ roles and official materials. A listing or external cooperation announcement does not replace an individual institution’s participation approval or confirmation of an ARCO product’s contracts, custody or deployment.

Material Status and Links

The status below reflects the Docs as of 7 October 2026. A Docs publication date is distinct from a contract’s effective date, a holdings reference date or a security review date.

Material	Current status	Links and scope
Product structure and transaction flows	Design explanations available	Product Guide, Deposits and Redemptions, Vault Liquidity Architecture
Operating and legal standards	Common standards available	Security and Operations, Terms and Risks, NAV and Returns
External RWA products and parties	Official external materials linked	Product-specific official links in Funds, applicable to the relevant external party and product
Public code and calls	Reference implementation available	Integration Guide, Smart Contracts and References, GitHub. Official mainnet deployment, ABI and scope require separate confirmation
ARCO product contracts and legal structure	Product-specific confirmation and supporting links required	Original URLs for valid contracts, terms and term sheets covering actual contracting entities, parties against which holders have claims, rights, jurisdictions and eligibility
Custody and asset reconciliation evidence	Product-specific confirmation and supporting links required	Custody provider, asset title, control and segregation evidence, and URLs for dated reports on assets, supply and unpaid obligations
Release deployment permissions and security review	Product-specific confirmation and supporting links required	Official deployment, implementation and permissions specifications, audit reports applicable to release code, and URLs for findings and remediation materials
Pricing liquidity and institutional onboarding specifications	Product-specific confirmation and supporting links required	Specification URLs covering pricing, fees, payout commitments, reserve policies, KYB, contracting and approval owners, and operating contact routes

Product Due Diligence Submission Fields

Each material records its product, network and class, actual responsible legal entities and roles, preparer and reviewer, reference date, version and effective date, update frequency and next review date, update owner and original URL. If an original has restricted access, its accessible scope and request route are provided. The preparation roles below identify responsibilities to assign; they do not state that a particular legal entity has already been assigned responsibility.

Material package	Specific information to submit	Preparation roles and update responsibility
Review scope and contractual rights	Contracting entities, jurisdiction and user scope, party against which holders have claims, allocation of returns and losses, relationship between authoritative records and tokens, rights for incomplete purchases and payouts pending after burns, claims and returns on insolvency or termination, document precedence and originals	Product owner, contracting parties and legal roles. Actual entities, contacts, effective dates and responsibility for updates after changes require confirmation
Custody and fund control	Asset title, custody and settlement entities, control scope per account and wallet, contractual basis for separating customer and operating assets, movement approvals, return procedures and supporting materials	Custody and settlement providers and ARCO operations roles. Actual parties, evidence reference dates, update frequency and reviewers require confirmation
Valuation and pricing review	Underlying product, class and currency, valuation data provider and reference time, fee treatment, responsibilities for calculation, cross-checking and onchain publication, price error and data delay handling, and reports	Asset or strategy valuation providers and pricing review and publication roles. Actual owners, valuation frequency, approval records and update responsibility require confirmation
Liquidity and payout conditions	Standard price fixing, cutoffs, business days and payout commitments, internal available balances, reserved obligations and replenishment thresholds, OTC counterparties, limits, quotes, token handling and settlement methods, costs, net amounts received and exception handling	Operations, liquidity and settlement roles and contractual parties. Actual owners, condition effective dates and review frequency require confirmation
Deployment permissions and security review	Official deployment, implementation, ABI and code version, actual role-holding addresses, administrators and approval configuration, change and emergency controls, audit scope and exclusions, report dates, findings and remediation status	Technical and permissions operations roles and independent reviewers. Release version, actual settings, reviewers and responsibility for updates after changes require confirmation
Reconciliation of supply reserves and unpaid obligations	Issuance, burns and remaining supply at the same reference time, held assets, valuations and external custody materials, reserved payouts, pending redemptions, incomplete purchases, fund movements and payout results, differences, causes and resolution status. Distinguish held assets from committed OTC capacity, and remaining arcoUSD backing from completed Funds settlement	Issuance, custody and settlement record preparers and reconciliation reviewers. Actual preparers and reviewers, reference dates, reporting frequency and material URLs require confirmation
Participation and operating support	Scope of KYB, eligibility, sanctions and wallet registration, review and renewal parties, institutional approval, contracting and integration responsibilities, routine enquiries, incident notification, recovery and escalation routes	Product, onboarding, compliance, operations and institutional integration roles. Actual owners, contact routes, operating hours and update responsibility require confirmation

ArcoUSD’s T+0 to T+2 day reserve replenishment target, measured from the MMF recovery request date T, is a reserve operating target. It is not a payout commitment to an individual user or a redemption deadline for every product. Day-count conventions, external product business days and submission cutoffs, and applicable payout deadlines are defined in each product’s specifications and contracts. Due diligence materials distinguish statuses such as design or draft, product-specific confirmation and supporting links required, and confirmed materials available, alongside the scope of the originals. External underlying product materials and public code alone do not confirm custody, guarantees, audits or a mainnet launch for the entire ARCO product.

Institutional Onboarding Stages

Define the responsible contacts, submission materials and approval conditions for the following stages according to the product and the institution’s role. Technical application of KYB, settlement and integration is reviewed separately from actual checks and contractual approvals, within their respective responsibility scopes.

Stage	Matters to agree	Record passed to the next stage
Product and role selection	Product and class, institutional jurisdiction and user scope, and investment, asset connection, liquidity or app integration roles	Review scope and requested materials
KYB and participation review	Applicable entity, beneficial owner, eligibility, sanctions and wallet reviews, material submission routes, and review and renewal responsibilities	Product-specific review results, restrictions and outstanding conditions
Rights and contract confirmation	Contracting parties, rights, custody, costs, redemptions and losses, document precedence and responsibility allocation	Valid originals, term sheets and institutional approval records
Settlement and integration preparation	Payout assets, recipients and settlement verification, pricing, liquidity and exception handling, official deployment and ABI, and scope of connection to institutional services	Settlement and integration specifications, applied permissions and verification results
Availability conditions and operational handover	Participation, contractual, settlement and integration conditions, initial availability scope, treatment of outstanding items, and owners of regular reporting and incident response	Availability decision and scope, contact routes, reporting frequency and change records

Actual product-specific procedures and approving parties are confirmed in the onboarding specification. App listings and address allowlisting alone are not treated as completion of KYB or legal eligibility review.

Material Requests and Enquiries

Send the target product, institutional role, requested material packages and required review reference date through the partner contact already in discussions with ARCO. Requests may also cover product-specific original URLs and access scope, preparation owners and schedules for unconfirmed items, and follow-up contact routes. Official enquiry, material submission and incident notification routes are recorded during onboarding with each contact’s name, organization, responsibilities, contact method, operating hours and escalation owner. This page does not list unconfirmed email addresses, telephone numbers or submission portals.

About ARCO

ARCO Products

Liquidity and Product Use

Pricing and Transparency

Security and Product Terms

Resources

Onboarding and Due Diligence

Products and Roles to Review

Material Status and Links

Product Due Diligence Submission Fields

Institutional Onboarding Stages

Material Requests and Enquiries

​Products and Roles to Review

​Material Status and Links

​Product Due Diligence Submission Fields

​Institutional Onboarding Stages

​Material Requests and Enquiries

​Related Guides

Products and Roles to Review

Material Status and Links

Product Due Diligence Submission Fields

Institutional Onboarding Stages

Material Requests and Enquiries

Related Guides