“Can a consumer dollar-savings app for Latin America become the full cross-border financial operating system for the region's businesses and consumers?”
Founded in 2021 as DolarApp, the company focused on helping Latin American consumers protect their savings from currency devaluation by offering USDC-based digital dollar accounts. After accumulating 2M+ users and $10B in annualized transaction volume, the company raised $70M and rebranded to ARQ in 2025, pivoting from a consumer savings app toward a comprehensive cross-border financial OS for both consumers and businesses. The ARQ Business product targets SMBs and startups operating across borders, adding corporate cards, bulk payments, multi-currency treasury, and international receivables — reflecting a deliberate move upmarket.