Onchain obligation ledger
Record recurring or one-off costs with equal or custom member allocations. Members resolve the same contract state.
Rooms, members, expenses and shares
Arc TestnetNative USDC
Shared treasury.
Clear every balance.
Nest is a shared USDC treasury and settlement app on Arc. Pool funds, coordinate approvals, manage recurring payouts and delegated budgets, track group obligations, and settle in native USDC.
Non-custodialContract-recorded stateCircle CCTP v2
August settlement
Distributed studio · 6 members
Before12 open shares
MANOLIAR
Group
After3 counterparties
MANO21.40
LIAR17.60
MAAR9.20
Grouped for settlement48.20 USDC
Wallet-to-walletArc finality · ~1 secondReceipt on completion
- Settlement asset
- Native USDC
- Finality
- Sub-second
- CCTP domain
- 26
- Source testnets
- 6
The protocol
One shared state for money between people
Nest turns informal IOUs into explicit onchain obligations. Every member resolves the same rooms, participants, balances and settlement history from ExpenseManager.
Balance resolution
Summarize each member's net position and group open shares by debtor and creditor so everyone sees the same settlement queue.
Exact base-unit accounting
Counterparty settlement
After allowance is available, one settleWith call clears every open share the caller owes to a selected payee.
Exact USDC amounts, no pooled float
Spend-capped assistance
Queue eligible debts, skip dust, stop at a per-run cap and retain transaction logs while the wallet remains in control.
Client-side controls, wallet approval
Crosschain funding
Bring canonical USDC from six supported testnets through Circle CCTP v2 before settling on Arc.
Burn, attest and mint
Transaction-linked receipts
Keep settlement details beside the Arc transaction hash so payment history can be checked independently in the explorer.
Explorer-verifiable transaction
Settlement flow
From many open shares to a clear settlement queue
The ledger and balance logic stay connected from the first obligation to the final receipt, so a workspace does not have to reconcile multiple sources of truth.
- 01
Contract write
Record obligations
Add the payer, participants, allocation and amount to the shared ExpenseManager ledger.
- 02
Contract view
Resolve net positions
Read workspace balances from one contract and reduce the obligation graph before money moves.
- 03
USDC transfer
Settle exact amounts
After sufficient allowance, one settleWith call clears every open share owed to a selected counterparty.
- 04
Independent proof
Verify the outcome
Re-resolve balances, inspect the Arc transaction and retain a transaction-linked receipt.
One engine, multiple groups
Shared finance beyond the household
The original roommate experience remains. The same obligation and settlement model also fits teams and project-based groups that need transparent shared balances.
Nest is not positioning unbuilt modules as live products. These are supported workspace patterns built from the existing group ledger, balance views, direct settlement, capped client-side assistance and syndicate distribution mode.
Workspaces
Distributed teams
Track shared operating costs and project payouts without one teammate becoming the permanent spreadsheet administrator.
- Recurring and one-off obligations
- Custom member allocations
- Onchain settlement history
Communities
Households and collectives
Keep the original shared-living flow while supporting clubs, creator groups and other communities with recurring costs.
- Flexible group membership
- Transparent balances
- Direct member settlement
Shared capital
Projects and syndicates
Switch the same group model from splitting costs to distributing incoming revenue across participants.
- Weighted payout planning
- Cost-first distribution
- Direct USDC payouts
Purpose-built for Arc
The settlement layer is part of the product.
Nest uses Arc because group settlement needs a stable unit, predictable execution costs and fast finality—not because a blockchain badge belongs on the homepage.
Stable unit from gas to settlement
USDC is both Arc's native gas asset and Nest's accounting and settlement unit, reducing two-token friction.
Deterministic finality
A completed settlement does not sit through probabilistic confirmation states before a group can trust the result.
Circle-native liquidity
CCTP v2 routes canonical USDC into Arc through a burn-and-mint flow instead of wrapped representations.
A global settlement surface
The same contract and stable unit can serve participants across borders without introducing a bank-owned group account.
Clear answers
Questions builders and users should ask
No vague custody language and no pretending roadmap items already exist.
Group settlement, without the spreadsheet
Give shared money one source of truth.
Create a workspace, record obligations and complete your first native-USDC settlement on Arc.