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 are now operating inside live payment networks through PayFi—a finance and execution layer co-developed by Arf and its partners, already powering real cross-border payment flows.
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