Arf, a regulated liquidity and settlement platform, leverages the Stellar network and USDC to provide cross-border payment solutions for financial institutions. By eliminating pre-funding requirements and enabling same-day settlements, Arf has extended over $830 million in loans with $1.6 billion in on-chain transaction volume since 2022.
Arf is a fintech platform addressing the liquidity constraints faced by financial institutions in cross-border payments. Traditional correspondent banking infrastructure requires institutions to maintain pre-funding capital across multiple countries, creating barriers for new entrants and limiting innovation. Arf's solution uses short-term, revolving USDC-based credit lines on the Stellar network to enable same-day settlements without pre-funding, while maintaining full transparency through on-chain transactions. The platform leverages Stellar's interoperability features, including anchors and SEP-31 integration, to connect with ecosystem partners. Since launching in 2022, Arf has demonstrated significant traction with $830 million in extended loans, $1.6 billion in transaction volume, and zero defaults, showcasing how blockchain and stablecoins can modernize cross-border payment infrastructure.
