Arc Launches USDC Onramp and Morpho-Powered Lending Kit for Apps

Arc is positioning itself less as a chain and more as a distribution layer, bundling funding and credit so app developers don't have to assemble those rails themselves. The Morpho integration is the notable part: it outsources lending logic to an established protocol rather than rebuilding it, which could shorten time-to-market for teams wanting cirBTC-collateralized credit. The identity checks and regional eligibility on the onramp are the constraint worth watching, since they determine how much of the target audience can actually be served. Whether other app platforms follow with similar packaged credit stacks is the open question.