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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
SECTORAL CASE STUDY

Instant and fully compliant remittance flows made possible for the first time in the world.

We've just launched a fully compliant payment corridor without the need for a correspondent banking network.
Download our case study and find out how we achieved instant, fiat-to-fiat cross-border payments by leveraging stablecoins.
DOWNLOAD

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.
KNOW MORE |
ARF INSIGHTS

What Is Prefunding and How Does It Work?

Since real-time, instant cross-border payments are still not achieved, the current system quick-fixes the problem by ‘prefunding’.
Read more

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.
KNOW MORE |
ARF INSIGHTS

How Can a Stablecoin Infrastructure Help Neobanks and E-Wallets?

Stablecoins offer all the advantages of cryptocurrencies without the downside of extreme volatility; they're low-cost, borderless, fast and available 24/7.
Read more
KNOW MORE |
ARF INSIGHTS

Stablecoin Regulations: Possible Futures Per Recent Developments

Recent developments in regulations demonstrate the trust in fiat-pegged stablecoins.
Read more

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.
KNOW MORE |
ARF INSIGHTS

What Are Stablecoins and Why Are They Important for FIs?

Stablecoins are a type of cryptocurrency whose value is pegged to a real and stable asset like fiat currencies or gold, to stabilize its price.
Read more

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

RECENTLY PUBLISHED ON

ARF INSIGHTS

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ARF INSIGHTS

$3 billion in bitcoin was sold in a last-ditch attempt to save UST stablecoin from collapse

Arf's Perspective: Yet another so-called “algorithmic stablecoin” breaks the buck by getting caught in the unescapable trap of a bank run as all partially collateralized assets would under just enough market pressure. This time though, it was seen coming from miles away by several cryptocurrency experts since the now fallen stablecoin Terra USD’s (UST) peg […]
Read more
KNOW MORE |
ARF INSIGHTS

USDC vs. USDT: Which Stablecoin is Better for Cross-Border Settlements?

USDC and USDT are currently the world’s leading stablecoins, with a combined share of more than 80% of the stablecoin market. Both are backed by a proportionally 1:1 amount of traditional assets like cash, making the price of a stablecoin stay pegged to $1.  Since traditional finance hasn’t found a solution to real-time and compliant […]
Read more
KNOW MORE |
ARF INSIGHTS

Can Stablecoins Introduce A New and Improved Way For Treasury Management?

MSBs of any size will know that financial planning is a vital part of running their business—and that treasury management is integral to ensuring the viability and sustainability of any such plan. Beyond simply managing the liquidity of a bank or financial institution to regulate day-to-day cash flow, a robust corporate treasury management program should […]
Read more
visa innovation program
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: Väike-Paala tn 2, 11415, Tallinn, Estonia
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