ADAG
Theme: System
Live on Arc mainnet

Pay the bill.Keep the bitcoin.

Pay your suppliers from the bitcoin your company holds. One signature, from your wallet or your company Safe, pledges cirBTC on Morpho, borrows exactly the bills and pays them in USDC or EURC, invoice number attached.

Pay a bill

Sending a bill? Write one

Arc mainnetUSDC or EURCMorpho Blue40% capOne signatureNo ownerBTC price

Ready to lend on Morpho
Reading Arc
Borrow rate
Reading Arc
Loan cap
Reading Arc
Paid through Adag
Reading Arc
Hands laying gold jewellery on a brass tray beside a handwritten pledge ticket

Gold pledged, not sold.

02 · Pledged, not sold

Pledged, not sold.

In India, families pledge their gold for cash instead of selling it, and take it home again when the loan is repaid.

Adag, from the Tamil word adagu, a pledge, does the same with bitcoin, on Arc.

Where is the bitcoin? cirBTC is Circle's wrapped bitcoin, backed 1:1 and held by Circle, with public reserves. Pledged, it sits in your own Morpho position and is not lent out. Adag never holds it.

Reading Arc

03 · Paying bills from pledged bitcoin, in six beats

Reading the latest bills from Arc.

Your bitcoin is pledged, not sold.

It sits on Morpho as collateral, in your name.

Adag borrows exactly the bills.

And refuses anything past 40% of the bitcoin's value.

Never sold.

It stays pledged in your name. Repay any time to take it back.

An open safe deposit drawer lined with blue velvet
Your cirBTC
Pledged on Morpho · still in your name
Pledged in your name, never sold. Repay any time to take it back.
Your pledge

Reading Arc

Borrowed

Reading Arc

Exactly the bills, nothing more

04 · One signature

Five steps, one signature.

Paying a bill from bitcoin is five calls on Arc. You sign them once, as one batch, and they land together. A run of up to 10 supplier bills fits in the same one signature.

Adag · one batchMulticall3From.aggregate3(calls)
  1. 01cirBTC.approve(Morpho, P)Let Morpho take the pledge, and nothing more.
  2. 02Morpho.supplyCollateral(params, P, payer, 0x)Pledge the bitcoin. It stays pledged in your name, never sold.
  3. 03Morpho.borrow(params, A, 0, payer, payer)Borrow exactly the bill.
  4. 04C.approve(AdagBills, A)Let Adag move exactly that amount.
  5. 05Memo.memo(AdagBills, payData(N), memoId(N), R)Pay the supplier, invoice number attached.
allowFailure false on every call · signed once, from your own walletP pledge · A bill amount · C USDC or EURC · N bill number · R invoice reference

If any step fails, none of it happened.

See the real one on Arc
05 · The 40% line

The 40% line

Adag never lets a payment push the loan past 40% of the bitcoin's value, however many bills it pays. Morpho's own line is far beyond it.

  1. 01

    No owner, no upgrade, no pause

    There is no admin key and no switch. The 40% line and every address Adag trusts were fixed when it was deployed.

    The contract on Arc

  2. 02

    Never holds your money

    Each payment moves from the paying wallet to the supplier inside one transaction. Nothing of yours waits in Adag.

    Its token balances

  3. 03

    Source verified

    The code running on Arc matches the published source exactly, checked by Sourcify and by Arc's explorer, for every contract Adag uses.

    AdagBills on SourcifyAdagBills on explorer.arc.ioAdagGuard on SourcifyAdagGuard on explorer.arc.ioAdagBills, first deployment on SourcifyAdagBills, first deployment on explorer.arc.io

  4. 04

    Refuses anything past 40%, even hand-built transactions

    The check lives in the contract, not the website. A payment that would push the loan past 40% reverts, whoever builds it.

    Try to break it

Proof

Check it yourself.

  • 01

    Bill #1

    Reading bill #1 and its payment from Arc.

    Open bill #1

  • 02

    Try to break it

    35 attacks against the live contracts, simulated on Arc while you watch. Each shows what stops it.

    Run the attacks

  • 03

    Audit status

    Self-audited, not by an outside firm. What was tested, what was found, and what is not covered.

    Read the record

06 · After you pay

Paid. Then looked after.

Paying is where most tools stop. Adag keeps working on the loan your bitcoin backs: it repays part when the loan crosses your line, tells you on Telegram, and pays from the company Safe your treasury already lives in.

  1. 01

    The loan guard

    When a loan crosses a line you choose, the guard repays part of it from your own USDC or EURC, just enough to bring it back to your target.

    The most this can ever take is your approval.

    Stop any time: the rule clears and the approval goes to 0.

    How the loan guard works
  2. 02

    Telegram alerts

    A message when a loan gets close to a level you set, and one each time the guard repays. Adag never tells anyone else whether a wallet has alerts.

    How alerts work
  3. 03

    Pay from a company Safe

    One bill or up to ten, proposed to the Safe and signed by its owners the way they sign anything else. At execution it lands whole or not at all.

    Paying from a Safe
  4. 04

    Already borrowing on Morpho

    Record the loan you have once. No money moves. From then on you can pay bills from cash, and Adag checks your loan against the one you recorded.

    Record an existing loan
07 · For suppliers

Send a bill. Get paid.

  1. 01Write a bill
  2. 02Share its link
  3. 03Get paid in USDC or EURC, invoice number attached
Write a bill

The latest payment on Arc, read live

08 · The ledger

Every payment, on the record.

The newest payments through Adag on Arc, read from each contract's own payment record. Invoice references stay on each bill's own page. Nothing here is a mock.

The bill is due. The bitcoin stays pledged.

Pay a bill

அடகு

adagu · Tamil for a pledge