USDC-based working capital financing solution for licensed financial institutions
Global payment network with native on- and off-ramp capabilities
enabling instant and fully compliant fiat-to-fiat cross-border payments
Modular framework enabling real-time settlement liquidity by leveraging tokenized assets
Arf is a Switzerland-based fintech innovator offering blockchain-powered financial infrastructure for licensed financial institutions worldwide. Specializing in real-time liquidity and cross-border payments, Arf is revolutionizing global finance by bridging traditional banking and decentralized finance (DeFi) through compliance-driven and scalable solutions.
Brief History
Founded by Ali Erhat Nalbant, Arf was launched with a vision to enable borderless financial services that are both real-time and regulatory-compliant. Recognizing inefficiencies in correspondent banking and capital constraints in international payments, Arf designed a liquidity infrastructure that leverages digital assets without compromising on financial compliance. With its headquarters in Steinhausen, Switzerland, and teams distributed globally, Arf has quickly become a rising name in the regulated DeFi space.
Core Business
Arf provides blockchain-enabled liquidity and payment infrastructure to:
Licensed financial institutions
Money service businesses (MSBs)
Cross-border payment networks
Digital wallets and neobanks
Its core services are built to support real-time settlements, on/off-ramp capabilities, and programmable liquidity with full transparency and regulatory alignment.
Product and Service Offerings
Arf Credit Line
USDC-denominated, short-term credit line
Available exclusively to licensed financial institutions
Designed to reduce capital inefficiencies in cross-border operations
Fully collateralized and underwritten through real-time data integrations
Arf Network
A global fiat-to-fiat payment network with embedded compliance
On/off-ramp access with banking partners in over 30 countries
Enables instant settlements using stablecoins with end-to-end visibility
PayFi Stack
Modular transaction framework for real-time liquidity provisioning
Tokenization of assets to facilitate real-time settlement without pre-funding
Compatible with multiple APIs and KYC/AML integration tools
Each of these services is deployed with enterprise-grade security and compliant ledger systems, supporting transparency and auditability.
Specialization and Core USP
Compliance-Native Architecture – KYC/AML integration, risk scoring, and continuous compliance monitoring built into the transaction layer
Real-Time Credit Infrastructure – Eliminates capital locking in traditional settlement models
Fiat-Blockchain Hybrid Design – Combines the reliability of fiat rails with the efficiency of stablecoins
Cross-Border Liquidity on Demand – Proprietary underwriting engine allows faster credit decisions based on transactional data
Arf uniquely blends the programmability of DeFi with the regulatory frameworks of global finance.
Financials
As a fast-scaling fintech, Arf remains privately funded, backed by industry-leading venture capital. According to public funding disclosures and industry estimates:
Total funding raised: $13 million (latest round led by Hard Yaka, 500 Global, and Blockchain Founders Fund)
Over $500 million in annual cross-border volume processed via Arf Network as of 2023
Credit line usage growth: >400% YoY with zero defaults recorded among institutional borrowers
Partners in over 50 countries, including key corridors in Latin America, Africa, and Southeast Asia
Shipment Data (Financial Infrastructure Reach)
Active in 100+ fiat corridors globally
Partnerships with 20+ local banks and PSPs
On-ramp/off-ramp solutions integrated in 30 countries
Supports stablecoin interoperability including USDC, USDT, and other major tokens
Its liquidity network handles thousands of real-time transactions per day for enterprise clients.
Target Market
Licensed remittance service providers
Cross-border PSPs (Payment Service Providers)
Digital banks and fintechs with multicurrency wallets
Clients benefit from improved working capital, reduced transaction times, and lower FX risk.
Capabilities
Proprietary real-time underwriting engine
Tokenized credit infrastructure using stablecoins
Enterprise integrations with APIs and sandbox environments
RegTech modules for transaction monitoring and reporting
Partnership-ready infrastructure for banks, wallets, and exchanges
Certifications and Compliance Records
Swiss FINMA-registered corporate entity
FATF-compliant transaction and customer monitoring
Blockchain analytics integration for transaction screening
In adherence with global AML/KYC protocols via embedded RegTech stack
Customer Testimonials
"Arf’s Credit Line gave us instant liquidity across corridors where traditional banking was impossible. It’s now a backbone of our treasury strategy." — CFO, Africa-based Cross-Border PSP
"We used to wait days for settlements. With Arf Network, we now process real-time fiat-to-fiat transactions with full compliance." — CTO, Licensed MSB in Latin America
Major Achievements
Winner of 2023 Global Fintech Awards – Best Blockchain Payment Infrastructure
Processed over $1 billion in stablecoin transactions since inception
Partnered with Stellar Development Foundation for network expansion
Featured in CoinDesk, Forbes, and TechCrunch as a top fintech innovator
Recognized for enabling Regulated DeFi in payment corridors underserved by traditional finance
