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, generating $150 million in on-chain USDC volume within four months.
Arf, a global settlement banking platform supported by the Stellar Development Foundation, announced Arf Credit Line, the world's first unsecured, short-term USDC-based working capital financing solution for licensed financial institutions. Built on the Stellar network and powered by Circle's USDC, the platform provides 1-5 day working capital access without collateral, enabling same-day settlements across borders. The solution addresses liquidity constraints in cross-border payments by unlocking trapped capital in pre-funded accounts. Within four months of launch, Arf Credit Line provided over $80 million in loans and generated $150 million in cumulative on-chain USDC volume, demonstrating a real-world use case for USDC on Stellar.