Circle Proposes AI Payment and On-Chain Financial Infrastructure for USD Coin

Circle has proposed the growth direction of USD Coin (USDC) through AI agent payments and on-chain financial infrastructure. The company plans to expand the use of stablecoins for corporate payments and automated microtransactions. In the second quarter of 2026, the circulating supply of USD Coin was reported at $73.3 billion, with on-chain transaction volume reaching $14.8 trillion. Total revenue amounted to $707 million, and adjusted EBITDA was recorded at $143 million. Jeremy Allaire, co-founder of Circle, stated that USD Coin accounts for 70% of stablecoin transaction volume. Circle's core product, Arc, is designed as a Layer 1 blockchain, while the Circle Payments Network serves as a payment network among financial institutions. The public mainnet of Arc is scheduled to launch on September 16, 2026. The Circle Payments Network's annualized transaction volume over the past 30 days is $14.7 billion, with 175 registered financial institutions. The AI payment-related agent stack supports over 900 paid services, with 99.3% of the payment volume based on X402 settled in USD Coin. From a regulatory perspective, the Genius Act was legislated on July 18, 2025, and the Clarity Act is currently under discussion in the Senate.

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