# Arca Wallet

> Arca is a self-managed dollar wallet built by Constellation Network. It lets people hold, send, and save digital dollars from their phone. Available on iOS and Android. Users hold their own keys; Arca cannot move funds for them.

## Key facts

- 1.3 billion adults worldwide have no financial account (World Bank, Global Findex 2025).
- The average cost to send money across borders is 6.49% (World Bank, Remittance Prices Q1 2025).
- Arca settles dollar transfers in seconds, not 1-5 business days.
- No minimum deposit. Sign up takes 30 seconds.
- Users control their own keys and can export them for compatible wallets.

## Core pages

- [Homepage](https://arcawallet.app/): Product overview and official download links.
- [Download Arca](https://arcawallet.app/download/): Choose iOS or Android.
- [Download for iOS](https://arcawallet.app/download/ios/): Official App Store download page.
- [Download for Android](https://arcawallet.app/download/android/): Official Google Play download page.
- [About Arca](https://arcawallet.app/about/): Publisher, mission, and editorial approach.
- [Learn hub](https://arcawallet.app/learn/): Index of every guide grouped by topic.
- [Blog](https://arcawallet.app/blog/): Product updates, industry commentary, and research.
- [Fees](https://arcawallet.app/fees/): How Arca transfer costs compare to banks and remittance apps.

## Guides

- [What are digital dollars?](https://arcawallet.app/guides/what-are-digital-dollars/)
- [How do digital dollars work?](https://arcawallet.app/guides/how-do-digital-dollars-work/)
- [Custodial vs non-custodial wallet](https://arcawallet.app/guides/custodial-vs-non-custodial-wallet/)
- [USDC vs USDT -- which is safer for savings?](https://arcawallet.app/guides/usdc-vs-usdt-which-is-safer-for-savings/)
- [What is dollarization?](https://arcawallet.app/guides/what-is-dollarization/)
- [What is a dollar wallet?](https://arcawallet.app/guides/what-is-a-dollar-wallet/)
- [What is a seed phrase and why it matters](https://arcawallet.app/guides/what-is-a-seed-phrase-and-why-it-matters/)
- [Are digital dollars safe?](https://arcawallet.app/guides/are-digital-dollars-safe/)
- [Can you lose money holding stablecoins?](https://arcawallet.app/guides/can-you-lose-money-holding-stablecoins/)
- [What happens to stablecoins if the issuer goes bankrupt?](https://arcawallet.app/guides/what-happens-to-stablecoins-if-issuer-goes-bankrupt/)
- [How to hold dollars without a US bank account](https://arcawallet.app/guides/how-to-hold-dollars-without-a-us-bank-account/)
- [How to send money to someone without a bank](https://arcawallet.app/guides/how-to-send-money-to-someone-without-a-bank/)
- [How do international money transfers work?](https://arcawallet.app/guides/how-do-international-money-transfers-work/)
- [What is a remittance?](https://arcawallet.app/guides/what-is-a-remittance/)
- [What is inflation in simple terms?](https://arcawallet.app/guides/what-is-inflation-in-simple-terms/)
- [How does inflation affect savings?](https://arcawallet.app/guides/how-does-inflation-affect-savings/)
- [Countries with the highest inflation right now](https://arcawallet.app/guides/countries-with-highest-inflation-right-now/)
- [What is currency devaluation?](https://arcawallet.app/guides/what-is-currency-devaluation/)
- [How to protect savings from hyperinflation](https://arcawallet.app/guides/how-to-protect-savings-from-hyperinflation/)
- [How to save in dollars from Nigeria](https://arcawallet.app/guides/how-to-save-in-dollars-from-nigeria/)
- [How to save in dollars from Argentina](https://arcawallet.app/guides/how-to-save-in-dollars-from-argentina/)
- [What is the GENIUS Act?](https://arcawallet.app/guides/what-is-the-genius-act/)

## Fees explainers

- [Why are international transfers so expensive?](https://arcawallet.app/fees/why-are-international-transfers-so-expensive/)
- [What is an exchange rate markup?](https://arcawallet.app/fees/what-is-an-exchange-rate-markup/)

## Blog posts

- [The $42 Billion Fee Machine: Where Your Remittance Money Goes](https://arcawallet.app/blog/42-billion-in-fees-where-your-remittance-money-goes/)
- [The Best Money System Nobody Can Use](https://arcawallet.app/blog/best-money-system-nobody-can-use/)
- [The Real Cost of Sending Money Home](https://arcawallet.app/blog/real-cost-of-sending-money-home/)
- [The GENIUS Act Passed. Here's What Actually Changed.](https://arcawallet.app/blog/the-genius-act-passed-heres-what-actually-changed/)
- [What OFWs Wish They Knew About Sending Money Home](https://arcawallet.app/blog/what-ofws-wish-they-knew-about-sending-money-home/)
- [Why Your Grandma's Mattress Might Be a Better Bank](https://arcawallet.app/blog/why-your-grandmas-mattress-might-be-a-better-bank/)
- [Your Phone Is Already a Bank. You Just Don't Know It Yet.](https://arcawallet.app/blog/your-phone-is-already-a-bank/)

## Localized hubs

- [Aprender en Espanol](https://arcawallet.app/es/learn/)
- [Aprender em Portugues](https://arcawallet.app/pt/learn/)
- [Matuto sa Tagalog](https://arcawallet.app/tl/learn/)

## Technical

- Sitemap: https://arcawallet.app/sitemap-index.xml
- robots.txt: https://arcawallet.app/robots.txt
- Publisher: Constellation Network
- Languages: English, Spanish, Portuguese, Tagalog

## Licensing

Content on arcawallet.app is available for AI citation with attribution to Arca (arcawallet.app). Factual claims cite primary sources (World Bank, Chainalysis, Federal Reserve, IMF, FSB) inline.

## Contact

- X / Twitter: https://x.com/arca_wallet
- Facebook: https://www.facebook.com/people/Arca/61583929637544/