TL;DR: Morpho is live on Arc from day one as its credit infrastructure, and a series of products powered by Morpho on Arc are going live, including Arc EarnKit, Arc Portal, Digital Asset Backed Borrow on Circle Mint, Pulsar Money Earn and Tier-1 fintech integrations.

Morpho is the leading onchain credit network by USDC deposits, with around $2.8B of USDC deposited as of July (source: Token Terminal). On Base, Coinbase built its crypto-backed loans and USDC lending on Morpho: more than $1.4B in active USDC loans and over $500M in USDC deposited in Coinbase Lend. The same playbook is now available to teams looking to integrate credit products on Arc.

• Morpho Blue on Arc: Anyone can earn variable-rate yield or open a variable-rate borrow position on Arc through app.morpho.org.
• Arc Earn Kit: An API kit that lets a fintech or enterprise embed curated Morpho Vaults on Arc into its own app, so its users can earn on idle assets without building credit infrastructure itself or bootstrapping both sides of the market.
• Pulsar Money Earn: The Arc-native money app has built its Earn feature on Morpho, with USDC and EURC vaults curated by Steakhouse Financial.
• SafePal Earn: One of the leading hardware self-custody solutions now provides access to USDC yield on Arc, powered by Morpho.

• Digital Asset Backed Borrow on Circle Mint: Circle Mint users can access USDC liquidity from the same interface where they deposit assets to mint cir-assets. Institutional users of Circle Mint will be able to mint cirBTC and borrow against it directly within Circle Mint.
• More distribution partners: Further earn integrations from wallets and exchanges are in progress and will be announced in the coming weeks.
• Fixed rates on Morpho Midnight: Live on Base since July, Midnight turns lenders and borrowers from price-takers into price-makers. For treasurers and institutions on Arc, that means more predictable borrowing costs and lending yields. Midnight on Arc is the logical extension of Arc's credit stack.

Morpho's credit network effect has a long track record of powering onchain credit products for the world's leading fintechs, such as Coinbase and Robinhood.

That same stack is now available on Arc: no infrastructure to build, and no need to bootstrap both sides of a lending market from zero.