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April 28, 2026

Arf Recognized in the CV VC Crypto Valley Top 50 Report

We are  featured in the 11th edition of the CV VC Crypto Valley Top 50 & Ecosystem Report. Selected from a pool of 1,766 active blockchain entities, Arf has been named one of the Top 25 Private Valuation Leaders in the region.

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Bridging the Global Liquidity Gap

As a Swiss-regulated global liquidity and settlement platform, Arf is the main builder of Payment Finance (PayFi). We address a massive structural inefficiency in the $156 trillion cross-border payments industry, where an estimated $4 trillion in working capital remains Frozen in prefunded accounts. By providing stablecoin-denominated, short-duration credit lines to licensed financial institutions, Arf enables high-turnover capital movement that traditional banking structures cannot efficiently support.

The report includes a featured article by Arf Co-Founder & CEO, Ali Erhat Nalbant, titled "The $4 Trillion Gap: A New Asset Class for Institutional Capital". Ali Erhat Nalbant details how Arf creates a structurally coherent use case for RWA tokenization by aligning stablecoins with on-chain settlement infrastructure. 

"The cross-border payments industry moves $156 trillion per year... and an estimated $4 trillion in working capital is frozen in prefunded accounts at any given moment. PayFi platforms address this with short-term fixed and on-demand credit lines."

Read the CV VC 2025 Report to explore how Arf is building the transparent, regulated infrastructure required for the next generation of global finance.

Related Articles

October 1, 2025

Arf and Huma to Bring Credit Services to Circle Payments Network

Arf x Huma to join Circle Payments Network (CPN) as a service provider, will become a  credit solution for eligible network participants Singapore, Sep 30, 2025, – Announced at Circle Forum Singapore today, Arf — a Swiss-regulated pioneer in same-day USDC settlement liquidity, powered by Huma's Payment Finance (PayFi) network — plans to join  Circle Payments Network (CPN) as a service provider to bring embedded credit to the network. CPN connects financial institutions and enterprises to enable real-time settlement of payments using stabelcoins like USDC and EURC. Cross-border payments have long been constrained by prefunding requirements, forcing financial institutions to lock up significant capital reserves. With  Arf and Huma, eligible CPN participants can gain  access to on-demand USDC credit directly through the integration, removing the need for prefunding in certain regions.

August 15, 2025

Arf, Huma, and Geoswift Launch Same-Day Settlement for Marketplace Sellers Worldwide

Huma Finance, the first PayFi network, in partnership with Arf, Geoswift, and PolyFlow, today announced the launch of a breakthrough settlement solution that delivers same-day payouts to merchants on leading global e-commerce platforms. Built on Huma’s PayFi network, the solution provides sellers in Asia—one of the largest seller communities—with immediate access to funds that previously arrived at least a full business day later. Singapore, Sep 30, 2025, – Announced at Circle Forum Singapore today, Arf — a Swiss-regulated pioneer in same-day USDC settlement liquidity, powered by Huma's Payment Finance (PayFi) network — plans to join  Circle Payments Network (CPN) as a service provider to bring embedded credit to the network. CPN connects financial institutions and enterprises to enable real-time settlement of payments using stabelcoins like USDC and EURC. Cross-border payments have long been constrained by prefunding requirements, forcing financial institutions to lock up significant capital reserves. With  Arf and Huma, eligible CPN participants can gain  access to on-demand USDC credit directly through the integration, removing the need for prefunding in certain regions.

January 8, 2025

Arf and LuLu Financial Holdings Announce Strategic Partnership to Enable T-0 Settlement for Global Payments

Arf and LuLu Financial Holdings have joined forces in a groundbreaking partnership to introduce T-0 settlement for global payments. By integrating Arf’s cutting-edge PayFi Stack, LuLuFin can now achieve real-time settlement, a significant leap forward from traditional correspondent banking processes. This strategic alliance addresses critical liquidity challenges, enabling faster, more secure, and efficient cross-border payments, and empowering both organizations to better serve a global customer base with innovative financial solutions.

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