Arf: A major leap in cross-border finance

Cross border is the nascent real-life use case for crypto payments

Cryptocurrencies eliminate the status quo challenges like speed, volatility, and certainty, while also providing immediate settlement and trust. RippleNet, used by c. 300 financial institutions worldwide, has validated blockchain’s competitive edge in instant cross-border payments through its On-Demand Liquidity service; but still struggles from regulatory compliance issues.

A compliant and instant cross-border payment network

Arf provides a global network for financial institutions that orchestrate instant and fully compliant cross-border settlements, payments & payouts by leveraging stable coins. Arf’s infrastructure connects to BaaS, KYC/AML providers, stable coin issuers, and tech providers to offer instant cross-border payment capabilities to businesses, e-wallets, neobanks, and remittance companies.

  • Instant cross-border settlements in existing and new corridors without the need for prefunding or correspondent banking relationships
  • Borderless and lean treasury management of attested and 1:1 pegged stablecoins
  • Local mid-market FX rates of the receiving country
  • New volume of transactions by becoming Arf Network member for local collections and payouts

Arf’s modular API integrations create multilayer network effects, not only on its tech layer but also as a transactional transfer network.

Arf orchestrates cross-border money transfers from the most convenient route available through its network and enables fixed and competitive FX rates, effectively solving the uncertain nature of the traditional system (fees taken at each hop, uncertainty around the number of hops, central arbitrary FX rates).

Sophisticated team attacking a complex problem

Co-founders Berhan and Ali, seasoned entrepreneurs each with 10+ years of startup experience, teamed up with Kazim and Ahmet, who collectively have 15 years of experience in blockchain technology. The team also onboarded star advisors including Eamon Jubbawy (cofounder of Onfido), Matt McGuire (internationally recognized expert in AML and CTF), and Aly Madhavji (Managing Partner of Blockchain Founders Fund).

Welcome to the #500FAMILY!



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Enis Hulli

Enis Hulli

Partner @500Startups Istanbul,, Glocal Podcast