Arf Blog

At Istanbul Blockchain Week, regulators, financial institutions, infrastructure providers, and digital asset leaders gathered to discuss one question that is increasingly shaping the future of finance: How do we build the infrastructure that allows traditional finance and Web3 to work together at scale? One of the most insightful discussions came during the panel Liquidity, Market […]

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. Bridging the Global Liquidity Gap As a Swiss-regulated global liquidity and settlement platform, Arf […]

How stablecoin-based settlement infrastructure is giving rise to Payment Finance—a short-duration, receivables-backed credit category now accessible to global institutional investors Investors are not funding tokens or speculative assets. They are purchasing notes issued by a bankruptcy-remote SPV, backed by short-duration receivables from licensed payment institutions. This is not DeFi yield farming; it carries no correlation […]

Across Davos 2026, discussions around global payments shifted noticeably from experimentation to execution, with payments and financial infrastructure emerging as areas of structural change. A common theme emerged across sessions: real-world payment systems are being re-designed to function in real time, with liquidity, compliance, and execution tightly integrated at scale. Within this shift, PayFi has […]

Davos, Switzerland, January 21, 2026 – At Web3 Hub Davos 2026, during the World Economic Forum, leaders from Arf, LuLu Financial Holdings, and the Stellar Development Foundation came together to discuss a shift underway in global payments. Moving beyond pilots and proofs of concept, the panel explored how programmable liquidity, embedded compliance, and on-chain settlement […]

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 […]

New real-time settlement solution brings instant payouts to millions of sellers — eliminating time-zone friction and accelerating global commerce San Francisco, CA – August 15, 2025 – 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 […]

Zurich / Abu Dhabi, December 23, 2024 — Arf, a global leader in providing working capital and settlement liquidity solutions to payments companies, and LuLu Financial Holdings, a global financial services conglomerate, have announced a strategic partnership aimed at revolutionizing settlement times in the global payments and cross-border payments industry. This collaboration will allow LuLuFin […]

ZUG, October 10, 2024 — Arf, a leading global liquidity platform for licensed financial institutions, has been honored with a Silver at the 2024 PAY360 Awards for the “Best Use of Digital Currencies/Assets in Financial Services” category. Organized on October 2nd in London by The Payment Association, the PAY360 Awards celebrate companies that push technological […]

Combined company will make cross border payments and asset tokenization more accessible with the transparency, real-time efficiency, and trust of blockchain technology San Francisco and Zug, Switzerland, April 17, 2024 – Today, Huma Finance, a leading tokenization platform focusing on real world impact, and Arf, a global transaction services platform that provides scalable liquidity for […]

Onchain liquidity backed by real world asset tokenization helps global financial institutions accelerate cross-border payments ZUG, Switzerland, March 6, 2024 – Arf, a global transaction services platform at the intersection of Web3 and traditional finance, announced that it has surpassed $1 billion in onchain liquidity volume to support global payments. This milestone underscores Arf's category-defining […]

RWA tokenization, a process transforming tangible assets into digital tokens on a blockchain, holds the potential for reshaping the financial landscape. This technology, promising broader access to diverse investment opportunities, simultaneously raises concerns about regulatory oversight. Switzerland, Singapore, Hong Kong, the United States, and the United Kingdom are each navigating the evolving regulatory landscape for […]

Tokenization is the process of converting real-world assets (RWAs) into digital tokens that can be traded and transferred on a blockchain. Real-world assets, such as loans backed by collateral, can be represented as a digital token on the blockchain and recorded, transacted, or repaid with clear records and lower costs along the way. This capability […]

The tokenization of assets has the potential to reshape lending, credit, and debt markets fundamentally. Notably, the total value locked in RWAs has nearly doubled in 2023, surging from $1.44 billion to $2.5 billion as of September 30, 2023.1 By bringing these conventional financial activities onto blockchain platforms, tokenization presents a host of advantages, including […]

In today's global economy, the efficient flow of cross-border payments is essential for international trade and financial transactions. However, traditional cross-border payment systems have long been plagued by a range of challenges that hinder their effectiveness. These challenges include high costs, slow settlement times, lack of transparency, and limited accessibility. Fortunately, the emergence of digital […]

Liquidity pools have revolutionized the way trading and lending occur in DeFi platforms, providing liquidity and facilitating global transactions. Understanding what liquidity pools are and why they are essential is crucial for anyone interested in the burgeoning DeFi space. What are liquidity pools and how do they work? Liquidity refers to the ease with which […]

Global cross-border payments have become increasingly crucial for facilitating global trade and economic development due to the growth of international trade, digital commerce, and remittances sent by migrant workers in billions of dollars each year. The seamless transfer of money or value across borders enables businesses and individuals to engage in transactions, opening up opportunities […]

ZUG and SAN FRANCISCO, March 21, 2023— Arf, the Swiss-regulated global settlement banking platform, with support from the Stellar Development Foundation, is now offering the world’s first unsecured, short-term, USDC-based working capital financing solution for licensed financial institutions.  Making cross-border payments faster, cheaper, and more transparent and inclusive is a priority for global economic development […]

Remittances have always been a major indicator of a country’s economic strength. With the ability to show the connections between citizens and their compatriots, this metric provides a great look into the health of nations.  When people travel abroad - whether to live or just stay temporarily - they eventually need to send money home. […]

Within just a few years, USDC demonstrated its utility as a revolutionary tool for facilitating borderless payments. Its stability, as a result of being pegged to the value of the US dollar, has proven to be a compelling advantage, enabling it to be used in a variety of real-world use cases such as cross-border transactions […]