A till that borrows for itself: live books on Arc, a credit line that is a sum over them, and a loan that collects itself one sale at a time.

A stall that sells three hundred plates a day cannot borrow two hundred dollars for a freezer without a form, an officer and a wait, because nobody can see its books. The same is true of a motorbike taxi, a tailor, a flower cart, and of every AI agent that earns money and pays for its own computing. The cashflow is real and it is invisible.

Every rail before Arc made the books and the money live in different places, so credit needed trust, paperwork and time. Small borrowers got none, and companies with no people in them got nothing at all.

The till. A business puts its sales through a till on Arc and pays its costs out of it, so the books are the contract itself, live to the second, with a memo on every line. People lend into a pool beside it. The line is a sum, not a form: a share of what is in the till plus what it netted over the last four days, never more than what was lent, recomputed on every posting.

The loan that collects itself. Once the owner draws, every sale pays the lenders' interest first, then a slice of the sale repays the loan, then the till keeps the rest. No due date. If a cost leaves more drawn than the books support, the till repays the difference in the same moment. The first screen is Amaka's stall: sell a plate, watch the tape print and the line move.

A line drawn from the books is only honest if the books cannot be cooked and the money cannot leave unseen. On Arc every sale and every cost is a transfer through the till, final in under a second and cheap enough that a three-dollar plate posts as its own line with a memo. Liquidation is the same transaction as the cost that caused it. USDC is the gas, so a tailor never needs a second token to sell a dress.

• A fifth of every interest payment, taken by the contract as each sale pays the lenders. Sales, costs and repayments cost nothing beyond Arc's fee.
• Tills for businesses that already take payments: a QR at the counter that pays the till, with the line as the reason to switch.
• Pools for lenders: a spread on money placed across many tills at once.

At ten thousand tills each drawing a thousand dollars at twelve percent, the interest share alone is a mid six-figure annual line.

Merchant cash advance and revenue-based financing are multi-billion-dollar categories that stop at the bottom of the market, because underwriting a stall costs more than the loan earns. Here the underwriting is the till itself. Add every autonomous agent that earns and spends, and the borrower category is new.

• The counter, live on Arc mainnet
• The lenders
• Open a till
• Book.sol: open, sell, spend, lend, recall, draw, repay, collect. Deploy it from your wallet
• The twelve, on Subsecond

1. Live nowThe counter, eight worked tills, the statement, the line and its sum, the tape, the lenders, and Book.sol with every function on a screen: open, set terms, sell, spend, lend, recall, draw, repay, collect, fees. Eleven Foundry tests.
2. 90 daysA QR for the counter that pays the till with a memo; a phone view for the owner with draw and repay; the first twenty real tills.
3. 6 monthsPools: lend across many tills at once by trade and place; a lender’s statement; tills for agents through an SDK.
4. 12 monthsPayment terminals that post to a till natively, and lines priced by the record of the till itself.

A developer grant of USD 60,000 over six months funds the counter QR, the owner's phone view, pools, and the first two hundred real tills, with milestones at twenty live tills, ten thousand sales through the tape, and the first pool. Draft figure, to be set with the programme.

Built by one person, in the open, on a foundation that puts a new product on Arc in under an hour. Name your price, or free.

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