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Fiber vs ARQ

Private stablecoin account or Latin American global account?ARQ, formerly DolarApp, is a neobank-style account for Latin America. We built Fiber to make receiving stablecoins, using earn and accessing supported markets simple without taking custody of your assets.

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Both make dollar-linked value useful outside the US. We differentiate by combining that familiar account experience with non-custodial control.

On-chain privacy or local financial reach.

What mattersFiberARQDecision note
Core modelWe are a non-custodial account. We cannot hold or access your assets, while the product still feels like a neobank.A digital-dollar and digital-euro account with separate Main, Earnings and brokerage accounts delivered through local and regulated partners.We make the control boundary explicit; ARQ emphasizes an integrated account ecosystem.
PrivacyWe shield supported on-chain transfers, trades and earn activity using zero-knowledge proofs.ARQ emphasizes account security, rates and regulated access; its public product materials do not position transaction privacy as the core feature.We built Fiber for people who do not want their on-chain finances broadcast.
Market accessWe offer supported tokenized stocks, commodities and crypto 24/7 with 0% Fiber trading fees.ARQ offers 10,000+ US stocks and ETFs through a US brokerage account, with market hours, settlement and plan-dependent conversion fees.ARQ offers conventional brokerage breadth; we offer always-on tokenized categories.
earnWe build earn into the balance and show it accruing continuously in real time.ARQ’s USDc Earnings Account is separate from its Main Account, has a published minimum and pays yield daily based on plan.We optimize for one live balance; ARQ uses a familiar savings-account model.
Regional railsWe provide eligible US account details for ACH and domestic wires with 0% Fiber deposit fees.ARQ focuses on Latin America with local-currency top-ups and transfers plus US and European account details.ARQ is more locally specialized; we serve global stablecoin earners.

Choose Fiber if

  • You want to keep assets beyond our custody or access.
  • You want supported activity protected with zero-knowledge privacy.
  • You want 24/7 tokenized stocks, commodities and crypto in one account.

ARQ may be the better fit if

  • You live in a supported Latin American market and need strong local rails.
  • You prioritize ARQ’s local-currency ecosystem over non-custodial control.
  • You prefer US brokerage stocks and ETFs over tokenized 24/7 markets.

ARQ’s local specialization is a real advantage. Fiber focuses on stablecoin income, privacy for supported on-chain activity and tokenized markets while remaining non-custodial.

Questions people ask

Is ARQ still DolarApp?

ARQ is the new brand for DolarApp. The company’s help center says existing accounts, balances and cards continued through the March 2026 transition.

Which is better for stocks?

ARQ publishes access to more than 10,000 US stocks and ETFs through a regulated brokerage account. We offer supported tokenized stocks, commodities and crypto around the clock. The better model depends on whether you want conventional brokerage or tokenized, always-on access.

Which is better for Latin America?

ARQ has a strong advantage where its local top-up and transfer rails are supported. We serve stablecoin-native users who prioritize privacy, non-custodial control and supported on-chain markets.

Sources and freshness

Last reviewed: July 23, 2026

Competitor facts come from the company’s own public materials. Product availability, rates and fees can change; verify current terms before deciding.

  1. 01
    ARQ product overview

    Digital-dollar accounts, card, global account and investing.

    Open source
  2. 02
    ARQ USDc Earnings Account

    earn structure, minimum balance, liquidity and published rates.

    Open source
  3. 03
    ARQ trading-account fees

    Current conversion fees and plan differences for stocks and ETFs.

    Open source
  4. 04
    ARQ Card

    Secured Mastercard, physical and virtual card features.

    Open source

Comparison prepared by Fiber. Competitor names and trademarks belong to their respective owners. This is product information, not financial advice.

Choose Fiber for neobank ease without neobank custody. Choose ARQ if its supported Latin American local rails and conventional US brokerage access are more important to you.

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