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關於ARQ
ARQ 是一個基於穩定幣的金融應用程式，服務拉丁美洲用戶。其核心業務包括數位美元/歐元帳戶、跨境支付、全球消費適用的萬事達卡，以及產生收益的儲蓄。該應用程式讓用戶直接在手機上持有美元或歐元，避免當地貨幣貶值。它還提供由用戶資產支持的信用卡，附帶現金回饋和靈活的還款選項。 ARQ 解決的主要痛點是阿根廷、墨西哥和哥倫比亞等國家的高通膨和貨幣不穩定。傳統銀行通常限制美元存取，而貨幣兌換商則設定較低的每月限額和高額手續費。ARQ 透過提供從當地貨幣到穩定幣的即時轉換來解決此問題，讓用戶無需銀行中介即可以強勢貨幣進行儲蓄和消費。 在過去六個月（2026年2月至8月），ARQ 推出了其 Prestige 訂閱層級，包含金屬信用卡、更高的現金回饋（每月首500美元穩定幣可享2%）、高達10萬美元穩定幣的投資組合擔保信用額度，以及免費國際轉帳。該公司也自3月27日起將卡片寄送服務擴展至哥倫比亞，並在巴西為 Prestige 推出每月帳單。這些發展重點在於深化現有產品功能，而非進入新市場。
ARQ（前身為DolarApp）最初是為因應貨幣貶值的拉丁美洲用戶所打造的穩定幣美元儲蓄應用程式。該公司畢業於Y Combinator 2021年夏季班，初期即獲得支持。2026年3月，ARQ完成由Sequoia Capital與Founders Fund共同領投的7,000萬美元B輪融資，此為資金寒冬期間拉丁美洲金融科技領域規模最大的融資案之一。同期公司更名為ARQ，反映其業務從儲蓄拓展至多幣種帳戶、跨境轉帳及投資產品，並覆蓋四個拉丁美洲國家。該公司宣稱年化交易量超過100億美元，擁有200萬用戶，定位為區域性的跨境銀行平台。
In March 2026 ARQ raised a $70 million Series B led by Sequoia Capital and Founders Fund. The Mexico-based app, previously known as DolarApp, uses USDC for cross-border transfers and connects traditional bank rails, digital wallets, multi-currency accounts and a debit card, serving more than two million customers in Latin America with annualised transaction volume above $10 billion.
The round funds ARQ's rebrand, hiring and a wider product set: from dollar-denominated transfers into wealth management, high-yield local currency accounts and lending, with the goal of becoming a regional digital bank built on stablecoin payments. ARQ says its own infrastructure links bank networks to stablecoin settlement directly, so users can hold foreign currency and pay or get paid across borders without going through a centralised exchange. Outside Mexico ARQ bundles multi-currency accounts and foreign exchange into one app, reducing reliance on local brokers and banks.
Future strategy and roadmap: ARQ will roll out high-yield local accounts and credit starting in Mexico, connect more local clearing channels, and build business collections, payouts and payroll into a second growth line.
Fernando Terrés - ARQ（前身為DolarApp）的共同創辦人。他在為拉丁美洲創立穩定幣金融應用程式中扮演了關鍵角色。Damien Puig - ARQ的首席平台工程師，負責設計、建構及擴展基礎設施。他曾在Revolut和Yieldify任職，專注於DevOps與網站可靠性工程。
ARQ charges a 0.5% conversion fee on the total amount when converting between local currency and digital dollars or digital euros, which the company defines as an all-in rate with no additional FX markup.
ARQ charges only a $4.99 shipping cost for its physical card, issues the virtual card free of charge, and levies no annual or account maintenance fee on the card.
ARQ holds a Gibraltar financial services regulator (GFSC) virtual asset arrangement provider registration, an Argentina securities commission (CNV) virtual asset service provider registration No. 92, and a Brazil central bank payment institution licence (e-money, PIX).