Arf is a Swiss-regulated global liquidity and settlement platform built to serve licensed financial institutions in cross-border payments. Arf's Twitter Score is 13 out of 1000 as of August 2026, ranking #73,480 among 485,508 tracked accounts.
Arf was co-founded by Ali Erhat Nalbant, Kazim Rifat Özyilmaz, Ahmet Özcan, and Berhan Kongel. Its core product, the Arf Credit Line, is built on Stellar and powered by USDC, offering unsecured working capital with repayment terms of one to five days for qualified licensed financial institutions. Arf Financial GmbH holds membership in the VQF Financial Services Standards Association, a self-regulatory organization recognized by FINMA, underpinning its Swiss regulatory standing.
Arf raised $13 million in equity and debt financing in a seed round announced in October 2022. Backers include Stellar Development Foundation, Circle Ventures, Signum Capital, NGC Ventures, Blockchain Founders Fund, United Overseas Bank Venture Management, Fenbushi Capital, Hard Yaka, and 500 Emerging Europe. Arf is also affiliated with Circle, which reported that Arf recorded more than $1.4 billion in cumulative USDC-based liquidity volume during its first year of operation, with annual capital turnover of 50x. In March 2024, Arf announced its on-chain liquidity volume supporting global payments had surpassed $1 billion.
Arf merged with Huma Finance in April 2024, with both platforms continuing to operate independently under a joint holding entity. In September 2025, Arf and Huma announced plans to join the Circle Payments Network as service providers. Arf was also included among the Top 25 Private Valuation Leaders in the CV VC Crypto Valley Top 50 report in April 2026. Arf has published 657 posts on the platform and has been mentioned by 33 accounts a total of 106 times.
Who follows Arf on X?
The accounts that follow Arf include 52 founders, 14 angel investors, 19 influencers and 4 VCs, among them Solana, Mario Nawfal, Antonio Garca Martnez agm.eth, Circle, SpiderCrypto and Yash.