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關於Arf
Arf 是一家總部位於瑞士的受監管流動性平台，為從事跨境支付的持牌金融機構提供短期、以應收帳款為擔保的營運資金融資。其核心產品以穩定幣與區塊鏈軌道，在結算瞬間觸發即時流動性，取代傳統預先注資往來帳戶的做法，實現即時、透明的交易。 Arf 解決的問題在於跨境支付通道中的資本效率低落與營運障礙——資金經常閒置於預先注資的帳戶，不僅佔用資產負債表，也增加成本。透過將支付指令轉換為代幣化、有擔保的短期信貸，Arf 讓機構無需鎖定資金即可即時結算，同時藉由鏈上記錄保持完整的可稽核性。 截至2026年8月的六個月間，Arf 致力於擴展網絡整合，並深化在新興支付通道的佈局。值得注意的是，Arf 宣布計劃加入 Circle 支付網絡（CPN），使其機構客戶能在更廣泛的穩定幣生態系統（包括 USDC 與 EURC）中取得流動性。此舉順應了產業邁向可程式化、即時支付基礎設施的趨勢。在此期間，該公司並未傳出重大負面發展，但其營運環境處於競爭激烈且法規快速演變的穩定幣金融領域。
On October 22, 2026, Arf partnered with Ripple to bring RLUSD stablecoin settlement liquidity to the XRP Ledger (XRPL), providing licensed cross-border payment firms with short-term working capital of one to five days. Regulated in Switzerland by VQF, Arf processes about $10 billion in annual settlement volume with capital turning over roughly four times a month and a 0% default rate.
Arf was an early mover in PayFi (payment finance) and previously merged with Huma Finance, continuously connecting stablecoin liquidity with payment-institution demand through regulated infrastructure.
Future strategy and roadmap: Arf plans to migrate more settlement liquidity on-chain once XRPL's native lending features go live, and keep expanding PayFi cooperation with licensed payment institutions worldwide.
Ali Erhat Nalbant — Co-founder & CEO; serial entrepreneur; previously software development and consulting at Deloitte; founded Arf in 2019.
Ahmet Özcan — Co-founder & CTO; leads technical architecture and stablecoin settlement systems.
Berhan Kongel — Co-founder; serial entrepreneur; former operations director at recruitment platform eleman.net.
Kazım Rıfat Özyılmaz — Co-founder; background in software engineering and blockchain consulting.
Elbruz Yılmaz — Chief Strategic Partnerships Officer; leads strategic partnerships and ecosystem integrations.
Rajpal Khangura — Chief Compliance Officer; CAMS and CCI certified; leads the compliance framework.
In 2022, Arf Financial GmbH received a licence from VQF， a self-regulatory organisation recognised by the Swiss Financial Market Supervisory Authority (FINMA) for anti-money laundering， covering crypto custody， fiat and stablecoin settlement， payment intermediation and lending.