Seed · Fintech · Zug, Switzerland · Founded 2019 · 20–50 employees
Arf is a Swiss-regulated global settlement banking platform that provides liquidity and settlement services for financial institutions in cross-border payments. The company leverages stablecoins like USDC to enable instant, compliant fiat-to-fiat cross-border settlements without traditional prefunding requirements. Founded in 2019 by Ali Erhat Nalbant and his co-founders, Arf has raised $13 million in seed funding from notable investors including Circle Ventures, Stellar Development Foundation, and UOB Venture Management. The company recently merged with Huma Finance in 2024 and has surpassed $1 billion in onchain liquidity volume, positioning itself as a key player in Web3 financial infrastructure.
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