Arf, a Swiss-regulated settlement banking platform backed by the Stellar Development Foundation, launched Arf Credit Line, offering unsecured USDC-based working capital financing for licensed financial institutions. The solution enables same-day cross-border settlements without pre-funding, unlocking trapped capital in the payments industry.
Arf, a global settlement banking platform supported by the Stellar Development Foundation, has launched Arf Credit Line, built on the Stellar network and powered by Circle's USDC. The platform provides unsecured, short-term (1-5 days) working capital financing for qualified licensed financial institutions worldwide, enabling same-day settlements without pre-funding or collateral. Within four months, Arf Credit Line has distributed over $80 million in loans and generated $150 million in cumulative on-chain USDC volume. The solution addresses liquidity constraints in cross-border payments by unlocking the $4 trillion in pre-funded accounts currently idle in the industry, making settlements more transparent and accessible while serving over 800 money transfer locations globally.