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.

“We’re thrilled to bring our liquidity infrastructure to CPN,” said Ali Erhat Nalbant, Co-Founder and CEO of Arf. “Building on Huma’s PayFi Network, we enabled many financial institutions to reduce their reliance on prefunding. With this integration, eligible CPN participants will have seamless access to our services.”

“One of the design principles of CPN is to have an open network that is constantly upgradable. With the addition of Arf and Huma as service providers, eligible CPN participants may have an even smoother experience sending funds near-instantly,” said Irfan Ganchi, SVP of Product Management, Circle. 

This marks the start of a broader effort to bring service providers into CP to enhance the network experience and offer new tools such as credit, liquidity, custody, fraud management, reconciliation, and more. These services will help network participants move money faster, reduce costs, and grow with less complexity through one seamless experience.

About Arf: Arf is a Swiss-regulated global fiat and stablecoin treasury platform for international payments providing IBANs, same-day settlements, liquidity and FX.

About Huma Finance: Huma Finance is the first PayFi network accelerating global payments with instant liquidity through regulatory-compliant infrastructure. 

About Circle Payments Network: Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.