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When we built Arc Earn, the question wasn't "what minimum maximizes our margin." It was "what's the actual infrastructure floor below which the product genuinely can't function" — and building only up to that floor, not past it. There's a real cost to processing small transactions on-chain, to KYC verification, to custody overhead, and that cost sets a minimum that exists for structural reasons. It does not exist to filter out anyone whose account size doesn't look impressive on an internal dashboard.
Picture the full range of animals climbing the same ramp into the ark — elephants at the front, geese and smaller creatures further back, no separate smaller gate built for the smaller ones, no different welcome depending on size. Every creature gets access to the same vessel through the same entrance. That's the standard we tried to hold Arc Earn to: the same product, the same yield mechanism, the same transparency, regardless of whether you're depositing $100 or $100,000.
This isn't charity framing, and I don't want to present it that way. A low minimum is good business, not just good ethics — the people most motivated to actually understand where their yield comes from, to check the transparency dashboard, to become long-term users who tell other people about the product, are very often the people who started with the least, not the most. Excluding them isn't just unfair. It's a bad growth strategy dressed up as a margin optimization.
