Surface
Familiar to the customer
Customers enter through existing bank channels, see defined terms, track status, and receive principal and proceeds into a familiar account.
Institutional settlement infrastructure
Bring onchain finance into the bank.
Sagitta Banking connects familiar deposit products to programmable USDC settlement, policy-controlled allocation, and verifiable return distribution.
For banks, fintechs, and core banking partners exploring stablecoin-native financial products.
Designed around
Settlement evidenceCore banking orchestrationCircle-issued USDCArc execution
Operating model
Onchain finance should feel like banking.
One governed operating model connects customer expectations with institutional controls and programmable settlement.
Middle
Controlled by the institution
The bank sets the policy every transition must satisfy, and receives the evidence that each one did.
Underneath
Programmable on the rail
USDC carries dollar value. Arc provides execution. Sagitta coordinates state between the bank, rail, and position.
Connecting a bank to a rail is the easy part.
The product is what governs the space between.
Lifecycle
From deposit to return, every step has an owner.
Customer experience, bank controls, settlement movement, and accounting evidence advance together.
What the institution records and controls at each step.
01
Open & fund
The customer enters through the bank
- Bank record
- Customer account, amount, enrollment record
02
Qualify & allocate
The bank applies product policy
- Bank record
- Eligible amount, policy version, approval trail
03
Settle in USDC
Eligible value enters the rail
- Bank record
- Settlement instruction, amount, asset, state
04
Execute on Arc
The approved workflow executes
- Bank record
- Allocation receipt, policy version, destination
05
Monitor & evidence
Operations receive continuous evidence
- Bank record
- Lifecycle history, receipts, exception records
06
Settle & credit
Principal and proceeds return
- Bank record
- Final settlement, distribution, closure record
Architecture
Sagitta connects the product promise to the financial rail.
Core banking manages customers, accounts, and records. Onchain networks move value. Sagitta coordinates the governed handoff.
Layers and boundaries
From core account to onchain settlement, and back.
Each layer has a clear role, control boundary, and evidence path.
Customer channelsMobile · Web · Relationship manager
Core bankingCustomer · Account · Product · Ledger
Sagitta BankingEligibility · Policy · State · Evidence
Circle USDC railConversion · Settlement · References
Arc executionContracts · Position · Maturity
Return & reconciliationEvidence · Ledger credit · Outcome
Account orchestration
Translate funding, enrollment, term, maturity, and credit events into one controlled lifecycle.
Policy enforcement
Hold each product’s operating rules as versioned configuration, enforced at every transition.
Settlement coordination
Track the path between bank-side funds, USDC settlement, Arc execution, and final return.
Evidence return
Hand references, receipts, policy context, and exception records back to the teams accountable for oversight.
Integration
A native add-on path for open core banking.
Sagitta Banking is being developed as a Mifos add-on for Apache Fineract-based institutions, connecting deposit accounts, product configuration, customer eligibility, ledger events, and maturity instructions to Sagitta’s policy-controlled settlement lifecycle. Other core systems can connect through scoped API adapters.
Apache FineractOpen-source core bankingFineract eventsAccount funding, product enrollment, maturity, and credit instructions
Mifos add-onA scoped institutional interface for product policy, lifecycle state, and operations
Sagitta adapterGoverned orchestration between the core ledger, USDC rail, and Arc execution
Evidence returnSettlement references, receipts, exceptions, and reconciliation records
Settlement rail
USDC is the movement layer. The bank remains the experience.
Sagitta Banking is designed around Circle-issued USDC for approved, dollar-denominated onchain workflows, with Arc as the programmable execution environment.
Movement layer
Circle-issued USDC
Programmable, dollar-denominated settlement with explicit transaction state and references.
Circle USDCPolicy checkpoint
Sagitta control layer
Execution environment
Arc
A stablecoin-native Layer 1 designed for settlement, treasury, collateral, issuance, and onchain markets.
Explore ArcFirst product
A programmable term deposit is the first door.
A defined term creates a bounded model for evaluating governance, communication, settlement, reconciliation, and technical integration through one complete lifecycle.
Explore a term-deposit pilot- Define the product policy
- Enroll through bank channels
- Execute through configured rails
- Evidence every lifecycle state
- Credit principal and proceeds
Controls
Programmable finance needs programmable boundaries.
These are the settings the bank configures per product. Every product carries an explicit operating policy, with evidence returned to the teams responsible for oversight.
Product eligibility
Define which customers, accounts, currencies, and jurisdictions may enter.
Allocation ceilings
Set institution, product, batch, and account-level movement limits.
Approved routes
Restrict providers, networks, contracts, assets, and destinations.
Approval boundaries
Apply operational thresholds and separation-of-duty requirements.
Lifecycle state & exceptions
Track funding through closure, and surface delayed, incomplete, or out-of-policy states.
Evidence & reconciliation
Preserve references, receipts, timestamps, and policies, and connect ledger events to settlement records.
Design-partner conversations
Design the first onchain product your bank can operate.
Bring your core banking environment, target customer, jurisdiction, and product objective. We’ll map the lifecycle, boundaries, controls, and integration path.
Product and operating fit Settlement and control design Technical scope and pilot boundary
Sagitta Banking is in active development and speaking with a limited number of design partners. Every design-partner inquiry is reviewed by the team designing the banking architecture. Scope is defined per institution and jurisdiction.
FAQ
Built for serious evaluation.
What is Sagitta Banking?
Infrastructure connecting bank-defined products and core banking events to governed USDC settlement, Arc-based execution, and documented return distribution.
Who is it for?
Banks, fintechs, digital banking teams, treasury teams, and core banking partners exploring stablecoin-native financial products.
Does Sagitta replace the core banking system?
No. The bank continues to manage customers, accounts, balances, terms, and ledger entries. Sagitta coordinates policy, settlement, execution, and evidence.
Where do custody and compliance responsibilities sit?
The deployment architecture defines responsibilities among the licensed institution and its approved custody, settlement, compliance, and technology providers.
Which core banking systems can Sagitta support?
The initial architecture is being developed around Apache Fineract/Mifos. Other systems can connect through scoped API adapters.
What is the current product stage?
Sagitta Banking is in product development and design-partner discussions. Scope and launch requirements are defined per institution and jurisdiction.