Arf
Cross Border
Global Liquidity, Borderless Payments: Unlocking Capital Without Boundaries
Founders
Ali Erhat Nalbant (Co-founder & CEO)
Berhan Kongel (Co-founder)
Kazım Rıfat Özyılmaz (Co-founder)
Ahmet Özcan (Co-founder & CTO)
Launch Date
2019
Key Investors
Circle Ventures
Stellar Development Foundation
United Overseas Bank Venture Management
Signum Capital
Hard Yaka
and more
About
Arf is a Swiss-regulated global liquidity platform that empowers licensed financial institutions in cross-border payments with short-term, receivable-backed, revolving credit solutions. Using real-world-asset-based digital assets like stablecoins, Arf eliminates prefunding needs, enables 24/7 treasury management, and facilitates real-time settlements across any corridor. Their compliance-first approach and seamless infrastructure help payment companies unlock working capital for borderless transactions in a transparent and compliant manner.
1st
Regulated liquidity solution
24/7
Always-on treasury access
Use Cases
- Real-time Cross-border Settlement - Financial institutions leverage Arf to eliminate prefunding requirements and achieve instant T-0 settlements across international corridors, reducing transaction times from days to seconds.
- Liquidity Access for MSBs - Money service businesses obtain short-term, revolving credit lines backed by receivables, unlocking working capital for global transactions without traditional banking constraints.
- 24/7 Global Treasury Management - Companies manage their international treasury operations seamlessly around the clock using Arf's blockchain-based platform, optimizing liquidity across multiple currencies and jurisdictions.
- Compliant Stablecoin Integration - Payment providers integrate regulated stablecoins through Arf's infrastructure with native on/off-ramp capabilities to modernize payment flows while maintaining regulatory compliance.
Liquidity Solutions for Cross-Border Payments
- Provides short-term, receivable-backed, revolving liquidity for cross-border payments
- Unlocks capital for borderless transactions in a transparent and compliant manner
- Uses real-world-asset-based and attested digital assets like stablecoins
- Enables businesses to expand at scale with its regulated and transparent liquidity solution
- Helps eliminate prefunding needs, allowing capital to be used for growth and expansion
Compliance and Security in Digital Finance
- Member of the VQF Self-Regulatory Organization for combating money laundering and preventing terrorism financing
- Regulated in Switzerland and provides services only to licensed financial institutions
- Infrastructure has native on-ramp and off-ramp capabilities to move value across borders
- Provides services to licensed financial institutions
- Partnered with Circle and Stellar
Trusted by
Circle, Stellar, Visa
