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June 28, 2022

RWA-based Lending: A New Paradigm In Digital Asset Lending

Lending is - and has always been - one of the most important aspects of financial services. Over the course of history, several of the world’s greatest feats would never have been possible without the input of strong financiers who believed in certain visions and gave the funds for them to be brought into reality.  […]

May 31, 2022

What Are the Main Problems with Treasury Management Systems?

During the pandemic, the old adage “cash is king” became more relevant than ever before for companies of all sizes, whose efforts to stay afloat during a global economic and health crisis largely relied on their level of liquidity. Echoing this sentiment in an exploration of the issue from the banking perspective, McKinsey & Company […]

May 31, 2022

What Makes “Always-On Treasury” a Game-Changer in Finance?

In recent years, we’ve seen the rise of truly “global” companies, as it is easier than ever to establish businesses in new jurisdictions without needing to have a physical presence there. While this flexibility allows companies to operate on a much larger scale than before, it also comes with certain drawbacks when it comes to maintaining a well-planned […]

May 27, 2022

Stablecoin Regulations: A snapshot of UK, US, EU, and Singapore

Recent developments in regulations demonstrate the trust in fiat-pegged stablecoins. Regulations were lagging behind the rapid development and continual breakthroughs in crypto for a long time. The uncertain regulatory environment slowed down the transition to cryptoassets, but couldn’t stop stablecoins from exponentially growing. Some of the biggest economies in the world finally […]

May 19, 2022

$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 inescapable 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 […]

May 13, 2022

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 […]

May 8, 2022

Can Digital Assets 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 […]

April 24, 2022

Why is Treasury Management a Major Issue in Cross-Border Payments?

When dealing with a company on the other side of the world, you want to be able to effectively process and handle payments. However, with different currencies facing different levels of stability, this can sometimes be more than challenging and cause heavy loads in companies treasury operations. Especially in money transfers between countries with long […]

April 24, 2022

Is Crypto-Backed Lending an Existential Threat to Banking?

Access to credit has remained an unsolved financial inclusion issue for decades. Most small to medium-sized companies suffer from having no access to credit. But the situation is even more problematic in financial services. Especially money service businesses are left out, because they are considered risky with money laundering and terrorist financing concerns. While businesses […]

April 8, 2022

Arf announces the world’s first transactional stablecoin-based working capital credit line for MSBs worldwide

ZUG, April 8, 2022—Arf, the first compliant cross-border payment network running on stablecoins, announced the upcoming launch of its innovative product, Arf Credit. For the first time ever in the world, Arf Credit will provide an instant working capital credit line for money service businesses (MSBs) worldwide. Traditionally, when a money service business (MSB) wants […]

April 5, 2022

What Makes Crypto-Backed Lending So Alluring?

Crypto-backed lending has already become a major hit in the market - there's no doubt about that fact. It offers a way for people and businesses that need money to easily get their hands on funds, and it can be a reliable source of passive income for investors as well. Today, protocols in both the centralized and decentralized crypto space offer access to loans. Decentralized finance (DeFi) is […]

March 26, 2022

Is Crypto-Backed Lending the Next Big Thing?

Cryptocurrencies have grown in popularity over the past few years. One of the reasons for this is their increased utility for financial transactions. Today, cryptocurrencies are used for investments and payments, and their compatibility with other financial transactions makes them the perfect innovation for today’s complex business landscape. Interestingly, one of the areas where digital […]

March 20, 2022

The Great 96/97 Moment Of Web3: US President Joe Biden puts out an executive order on cryptocurrencies

Arf's Perspective: US President Joe Biden puts out an executive order on cryptocurrencies that focus on six key areas: consumer protection, financial stability, illicit activity, U.S. competitiveness, financial inclusion and responsible innovation. This is the answer to the question that every stakeholder in web3 market has been asking for several years: Will the US ban […]

March 13, 2022

Could An Interest-Bearing CBDC Threaten The Entire Banking System?

Wherever you look right now, the world is talking about cryptocurrencies - particularly, central bank digital currencies (CBDCs). There has been a massive push towards digitizing currencies across the world, although there are still some countries that have managed to hold out for now.

March 13, 2022

Despite BlockFi's $100M penalty, demand for crypto lending is here to stay.

Arf’s Perspective: This fine has been a $100M USD worth of regulatory clarity from the SEC to all crypto lending/yield companies out there. This type of lending is indeed a security product according to the SEC and must be registered as such. However, it seems that these types of products are just getting started to […]

February 19, 2022

How Will Retail and Wholesale CBDCs Affect Banking?

One of the hottest trends in the finance space right now is the central bank digital currency (CBDC). Over the past few years, more central banks have moved to digitize their currencies as they hope to improve areas like trade and cross-border transactions.

January 28, 2022

The Differences of Card Networks’ Approaches Towards Stablecoins

Card networks have been the leading players of the payment world since the 1960s. Despite the rapid involvement of new and challenging players, they have maintained their dominance throughout decades and come this far by adding up new offerings with constant innovations.

December 15, 2021

Multichain Stablecoins: What Are They, and Why Are They Important?

A multichain stablecoin is available on several blockchain networks rather than a single one. Therefore, it can flexibly operate on various blockchains, which reduces the friction of converting [...]

December 3, 2021

Can USD Stablecoins Cause Hyperdollarization and Fight Hyperinflation?

The vast majority of stablecoins today is USD-pegged and expected to be so in the future, as the US dollar continues to be the dominant international reserve currency.

December 3, 2021

What Is Embedded Finance and Why Is It Important?

Embedded finance is the integration of financial services, such as banking, insurance, or lending, into traditionally non-financial user experiences.

December 3, 2021

How Are USD-Pegged Stablecoins Backed?

Stablecoins can be backed by various sources, including fiat currency, other cryptocurrencies, precious metals, and algorithmic functions. However, their backing source highly impacts their risk level.

October 12, 2021

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

Neobanks and e-wallets are transforming financial services with the enhanced convenience, user experience, and accessibility they provide. In addition, they are firing up the competition within the industry by offering new products and services every passing day, accelerating the much needed change in the finance ecosystem.

October 11, 2021

What Are E-Wallets and Why Are They Important?

An e-wallet, or a digital wallet, is an online service that enables people and businesses to make digital transactions and verify their credentials. Any type of personal data can be loaded into an e-wallet, including debit and credit cards, driver’s license, social security number, loyalty cards, as well as items such as movie tickets and boarding passes.

October 6, 2021

What Are Neobanks and Why Are They Important?

Neobanks, or digital-only banks, can be defined as fintech companies offering direct banking services to their customers. The term neobank was first coined around 2016[1] to describe fintech companies that challenge traditional banks.

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