Instant & Compliant

Cross-Border Payment Network

For Money Service Businesses

Arf is a global payment network enabling instant and fully compliant fiat-to-fiat cross-border payments by leveraging regulated stablecoins for Money Service Businesses (MSBs), especially e-wallets, neobanks and digital remittance companies.

Arf provides the technical and compliance infrastructure for its clients that covers custody, redemption & tokenization, settlement and FX services via its licensed partners for fiat currencies as well as regulated & 1:1 pegged stablecoins in USD, EUR, PHP, SGD, TRY and others.

85%

Less Working Capital

with no need for prefunding thanks to instant cross-border settlements inside Arf Network

70%

Less FX Exposure and Risk

via borderless and lean treasury management of attested and 1:1 pegged stablecoins & mid-market FX rates of the local Arf Network members without committing high volumes

NO PREFUNDING

INSTANT SETTLEMENTS

All members of Arf Network settle in USDC within Arf Network 24/7 and instantly. This results in significant decrease of treasury management need or the risk of insufficient funds from sending party during the settlement.

The most important benefit is that instant settlements enable any money service businesses in Arf Network to launch new corridors immediately in various regions without extra working capital, a.k.a. prefunding.

SINGLE CONTRACT & SINGLE API

FOR 80% REDUCTION IN GO-TO-MARKET TIME

Arf Network has a unilateral contract approach (instead of bilateral) so that you only need to sign a single contract with Arf, only integrate Arf Client API and go through due diligence only once to gain unlimited access to all services provided by Arf Network Members.

Single Contract

Arf Network Members are all onboarded by Arf by a single due diligence process and a single
Client Service Agreement (CSA). The CSA manages the relationship between network members and sets the transparent pricing across the entire network. No 1:1 negotiations or relationship development is needed.

Single API

Arf already integrated all the technology of its Payout Partners on Arf Network to Arf Client API. As a result, all you need to do is to integrate the Arf API to connect to all of the Arf Network Members instantly.

Transparent Data Sharing

KYC and transactional data are transparently shared among Arf Network Members via Arf API for compliance with local regulations and laws.

80% Reduction in Go-To-Market Time

Arf’s Single Contract & Single API approach reduces the go-to-market time by as much as 80% if you are using the Arf Network for 2 or more corridors.

Integrated
Global Payment Flow
And Settlements

Seamless Orchestration of Collections, Fx, Settlements and Payouts via
Arf API & Dashboard

Mid Market
FX Rates
From Local Network Members

You Always Get The Fastest Routing Options And Best FX Possible Thanks To Arf’s Wide Global Network Of Money Service Businesses And Smart Usage Of Attested & 1:1 Pegged Stablecoins

A New Revenue Stream For Payout Partners

By becoming a local payout partner in your jurisdiction, you can immediately start to capture the new volume created by the other members in Arf Network that is directed to the geographies that you operate in.

HOW CAN WE HELP YOU?

Arf Is A Game Changer In Cross-Border Payments Infrastructure

Read our guest article published on Circle's blog where we present a potential use case while detailing the most important benefits Arf can offer to money service businesses.

LOW INVESTMENT & FAST

ONBOARDING & INTEGRATION

Single API
And Detailed
Documentation
Single Contract
To Connect All Members
For All Services Received
And Provided

Fully Automated
Visible And Transparent
Compliance

Referral Program
Which Enables Any Member
To Invite And Transact With
Its Current Partners As Is.

BY JOINING THE ARF NETWORK

YOU GAIN ACCESS TO

Custody accounts for various regulated stablecoins,
FX services for different local fiat currencies and regulated stablecoins
Local money service businesses, as payment service and custody partners, in more than 50+ countries, 6 continents with thousands of banks and ewallets

Payment volume of millions of US Dollars sent by other network members to the joining member’s operating countries
Arf is a Member of
Visa Innovation Program

Become an Arf Network Member

Unlike other payment solutions Arf acts as a strategic partner to your business. Our expert team will be with you every step of the way from signing up to our network to best practice integration of our API.
If you are a neobank, e-wallet or remittance company you can become a partner of Arf Network with a few lines of code to unlock next generation opportunities for your business.
Arf Labs OÜ | Company No: 14715754 | Address: Osmussaare 8, 13811, Tallinn, Estonia
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