what's Arlo?

Arlo is a Web3 liquidity protocol on Base that enables KYB-verified businesses to access fixed-term USDC funding through syndicated groups without equity dilution, over-collateralization, or liquidation risk. It matches one recipient business needing capital with two deployer businesses providing it into 30-day cycles. Businesses post refundable bonds that convert at settlement, where deployers recover principal plus a fixed bonus and recipients pay a flat fee. All operations are fully onchain via Smart Vaults, with enforceable contracts under England & Wales jurisdiction. The protocol employs forensic AI agents for underwriting and compliance: the Arlo Attestor analyzes onchain treasury data to generate a Reliability Rating based on cashflow, runway, and coverage; the Accounts Payable Agent validates invoices; and the Shield Wallet enforces spending policies restricting outflows to verified vendors, payroll, and services. Powered by OpenClaw agent infrastructure for real-time monitoring, Arlo provides tiers of syndicate sizes (Seed, Genesis, Prime) scaled to business revenue, automating matching, funding, settlement, and reporting to replace traditional banks with programmable liquidity.