Independent Audit Report
Arc Management
VS
Puzzle

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 ↗
Puzzle
Project Management & Collaboration Software — Limited Consumer Data
Best For Teams wanting organized project management, task tracking, and collabo
Core Fee Pricing varies; likely tiered based on team size and feature
Settlement Real-time task updates; collaboration features; integrations
Visit Puzzle ↗
Full 20-Point Audit Matrix
Verified current data across all key decision criteria
20 Criteria Compared
Audit Criterion Arc Management Puzzle
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)
3/5
Arc Management: rated on fees, features, safety & ease of use
3/5
Puzzle: rated on fees, features, safety & ease of use
Transaction FeesPer-transfer costs, domestic & international
Custom pricing based on business needs; not publicly listed Pricing varies; likely tiered based on team size and features; no public pricing immediately available
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
Puzzle 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
Custom/tiered pricing — Puzzle's fee structure depends on your account tier or usage volume.
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
Puzzle does not primarily offer physical cards — access is digital-first.
Check Puzzle app for current card fees
Domestic SettlementLocal bank transfer completion time
Arc Management
On-demand financial guidance; strategic advisory; operationa
VS
Puzzle
Real-time task updates; collaboration features; integrations
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
Puzzle 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
Puzzle publishes service status updates on its official status page for transparency.
Check Puzzle status page for incident history
Regulatory LicensesGoverning bodies and jurisdictions
Professional financial advisors; standard confidentiality and security protocols
✓ Licensed
Standard SaaS security; user permissions and access controls; data encryption
✓ 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
Puzzle holds funds with regulated partner banks. Deposit insurance coverage may apply.
Verify current coverage directly with Puzzle
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
Puzzle 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
Puzzle 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
Puzzle
Teams wanting organized project management, task tracking, and collaboration tools
Platform ClassificationRegulatory and product category
Fractional CFO & Business Advisory Services Project Management & Collaboration Software — Limited Consumer Data
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
Puzzle 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
Puzzle supports the currencies and assets listed in its official documentation.
Check Puzzle 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
Puzzle 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
Puzzle offers support through its help centre and official contact channels.
Check Puzzle 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
Puzzle KYC timelines depend on document quality and account type.
Verify current wait times in the Puzzle app
Overall VerdictWealthBlueprint independent recommendation
IT'S A TIE — both score 3/5 stars.

Choose Arc Management if you need: Growing businesses wanting fractional CFO and finance team support without full-time hire costs.
Choose Puzzle if you need: Teams wanting organized project management, task tracking, and collaboration tools.

➜ Your choice depends on your specific needs
Official WebsiteVisit platform to sign up or verify current fees
Visit Arc Management ↗ Visit Puzzle ↗
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
Puzzle — Best For
Teams wanting organized project management, task tracking, and collaboration tools
✓ Strong in its core category

Not sure which is right for you?

Take our 2-minute financial literacy quiz to understand which platforms align with your income profile and goals.

From the WealthBlueprint Library

These guides pair well with your comparison:

📖 Real Estate vs Stocks for Beginners 📖 How Much to Invest at 18 to Become a Millionaire
More Comparisons Worth Reading

Digging into fintech options beyond Arc Management and Puzzle? Start here.

🔍 Karat vs Webull: Independent Audit 🔍 Karat vs Wefunder: Independent Audit