Independent Audit Report
Arc Management
VS
Better

A comprehensive 20-point independent audit covering fees, FX rates, settlement architecture, regulatory standing, customer protection, and real-world performance benchmarks.

20 Audit Criteria Independent Analysis Current Verified Data Live Benchmarks
Arc Management
Fractional CFO & Business Advisory Services
Best For Growing businesses wanting fractional CFO and finance team support wit
Core Fee Custom pricing based on business needs; not publicly listed
Settlement On-demand financial guidance; strategic advisory; operationa
Visit Arc Management ↗
Better
Mortgage & Home Financing Platform
Best For Homebuyers wanting a digital-first mortgage experience with transparen
Core Fee No origination fees or commission; rates vary by loan produc
Settlement Get approved in minutes; online closing; fast funding; digit
Visit Better ↗
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
20 Criteria Compared
Audit Criterion Arc Management Better
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)
3/5
Arc Management: rated on fees, features, safety & ease of use
2/5
Better: rated on fees, features, safety & ease of use
Transaction FeesPer-transfer costs, domestic & international
Custom pricing based on business needs; not publicly listed No origination fees or commission; rates vary by loan product and market; no public pricing
FX / Conversion SpreadMarkup above mid-market exchange rate
Arc Management charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app
Better charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending.
Always check the live rate in the app
Account MaintenanceMonthly or annual account-keeping charges
Custom/tiered pricing — Arc Management's fee structure depends on your account tier or usage volume.
Fees subject to change — verify before signing up
Better applies account maintenance charges as described in its fee schedule. Pricing may vary by region.
Fees subject to change — verify before signing up
Card Issuance FeesVirtual and physical card creation costs
Arc Management does not primarily offer physical cards — access is digital-first.
Check Arc Management app for current card fees
Better does not primarily offer physical cards — access is digital-first.
Check Better app for current card fees
Domestic SettlementLocal bank transfer completion time
Arc Management
On-demand financial guidance; strategic advisory; operationa
VS
Better
Get approved in minutes; online closing; fast funding; digit
Both platforms offer comparable settlement speeds.
Cross-Border SpeedInternational corridor settlement time
Arc Management supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates
Better supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds.
Check the app for live estimates
Uptime / ReliabilityReported annual platform availability rate
Arc Management publishes service status updates on its official status page for transparency.
Check Arc Management status page for incident history
Better is a regulated platform — it maintains high availability standards as part of its regulatory obligations.
Check Better status page for incident history
Regulatory LicensesGoverning bodies and jurisdictions
Professional financial advisors; standard confidentiality and security protocols
✓ Licensed
Licensed mortgage lender; online reviews mixed; known for transparency; originator fees disclosed upfront
✓ Licensed
Deposit InsuranceGovernment-backed protection scheme
Arc Management holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Arc Management
Better holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Better
2FA & AuthenticationMulti-factor security implementation
Arc Management supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account
Better supports 2FA via authenticator app or SMS. Check security settings for available methods.
Enable 2FA immediately after opening your account
Fraud DetectionAI/ML-powered transaction monitoring
Arc Management employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring
Better employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds.
✓ Real-time monitoring
Ideal Use CasePrimary audience and core value proposition
Arc Management
Growing businesses wanting fractional CFO and finance team support without full-time hire costs
Better
Homebuyers wanting a digital-first mortgage experience with transparent pricing and no hidden fees
Platform ClassificationRegulatory and product category
Fractional CFO & Business Advisory Services Mortgage & Home Financing Platform
Withdrawal LimitsDaily / weekly transfer and cash-out caps
Arc Management applies tiered withdrawal limits based on your KYC verification level and business activity.
Log in to see your current limits
Better withdrawal limits vary by account type and KYC level.
Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage
Arc Management supports the currencies and assets listed in its official documentation.
Check Arc Management official site for full currency list
Better supports the currencies and assets listed in its official documentation.
Check Better official site for full currency list
App Store RatingAggregate iOS + Android user satisfaction
Arc Management app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store
Better app ratings reflect recent user sentiment — check the App Store/Google Play for current scores.
Verify live ratings on the App Store
Customer SupportAvailable resolution pathways and SLA
Arc Management offers support through its help centre and official contact channels.
Check Arc Management help centre for current support options
Better routes support through its official help channels. Priority queue access varies by plan.
Check Better help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission
Arc Management business verification may take longer — check the onboarding flow for current timelines.
Verify current wait times in the Arc Management app
Better KYC timelines depend on document quality and account type.
Verify current wait times in the Better app
Overall VerdictWealthBlueprint independent recommendation
Arc Management WINS with 3/5 stars vs 2/5.

Why: Arc Management excels at Growing businesses wanting fractional CFO and finance team support without full-time hire costs. It also has a simpler fee structure (Custom pricing based on business needs; not public...).

✓ Choose Arc Management if Growing businesses wanting fractional CF
➜ Better is still solid for Homebuyers wanting a digital-first mortg
Official WebsiteVisit platform to sign up or verify current fees
Visit Arc Management ↗ Visit Better ↗
WealthBlueprint Verdict Summary
Arc Management — Best For
Growing businesses wanting fractional CFO and finance team support without full-time hire costs
✓ Strong in its core category
Better — Best For
Homebuyers wanting a digital-first mortgage experience with transparent pricing and no hidden fees
✓ Strong in its core category

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