Ali Erhat Nalbant

Co-founder & CEO of Arf @arf_one

[Arf @arf_one]

Proud to announce that Arf has been featured in the 11th edition of the CV VC Crypto Valley Top 50 & Ecosystem Report. Out of over 1,700 active blockchain entities in Switzerland, Arf has been recognized as one of the Top 25 Private Valuation Leaders.

As a Swiss-regulated global liquidity and settlement platform we’re the main builder of PayFi. By providing blockchain-based working capital credit lines to licensed financial institutions, we are addressing a critical $4 trillion liquidity gap in global cross-border payments.

Also features an article by @alierhat, titled "The $4 Trillion Gap: A New Asset Class For Institutional Capital”. Ali explores how the cross-border payments industry moves $156 trillion per year, yet an estimated $4 trillion in working capital remains frozen in prefunded accounts at any given moment and how address this inefficiency through short-term fixed and on-demand credit lines, creating a new short-duration, receivables-backed asset class for institutional capital.

Read the full CV VC 2025 Report to see how Arf is building the new infrastructure of global payments. 👉 https://t.co/vkKzERGPT9

[Ali Erhat Nalbant @alierhat]

Davos takeaway: the shift in payments isn’t theoretical anymore.When liquidity, execution, and compliance are embedded inside the transaction, payments can fund, execute, and settle autonomously. That’s PayFi. Thanks to @adeeb_ahamed, @rajachak75, and @elbruzyilmaz and @CV_Labs

[Arf @arf_one]

“Global payments are being rebuilt around real-time liquidity, agentic execution, and embedded compliance. When these capabilities are natively integrated into the transaction, payments can fund, execute, and settle autonomously. This model is live today through PayFi.”

Today, @alierhat spoke at Davos on the panel we hosted, “The PayFi Shift: Agentic Payments, Compliance & Liquidity,” alongside @adeeb_ahamed (LuLu Financial Holdings) and @rajachak75 (@StellarOrg), with @elbruzyilmaz (Outrun) as moderator.

The discussion focused on how global payments are moving beyond pilots and proofs of concept, with programmable liquidity, embedded compliance, and on-chain settlement already operating inside live payment networks through PayFi—a finance and execution layer co-developed by Arf and its partners.

#Web3HubDavos

[Ali Erhat Nalbant @alierhat]

Excited to be in Davos during World Economic Forum week with our partners, LuLu Financial and @StellarOrg

At #Web3HubDavos, we’ll unpack PayFi — where programmable liquidity, embedded compliance, and agentic payments come together to reshape global payments

[Arf @arf_one]

At Web3 Hub Davos, we are bringing together leaders from LuLu Financial Holdings and the @StellarOrg to unpack a major shift in global payments: PayFi. The panel will explore programmable liquidity, embedded compliance, and agentic payments, taking place during World Economic Forum week.

Date: January 19, 2026, 12:00 pm CET

Speakers:
• @alierhat, Co-founder & CEO, Arf
• @adeeb_ahamed, Managing Director, LuLu Financial Holdings
• @rajachak75, Chief Business Officer, Stellar Development Foundation
• @elbruzyilmaz, Managing Partner, Outrun (Moderator)

👉 Sign up: https://t.co/9ASBHwfPi6

@CV_Labs
@thecryptovalley
#Web3HubDavos

[Erbil @0xErbil]

Plotting a monster 2026 from the top of One World Trade Center. NYC style. 🗽🔥

[Huma Finance @humafinance]

At PayFi Summit 🇸🇬, @circle’s SVP of Product, Irfan Ganchi announced:

Huma & @arf_one are joining Circle Payments Network as service providers - the first embedded credit solution for CPN participants.

Now, they'll have on-demand @USDC credit - no more prefunding barriers.

[Jeremy Allaire - jerallaire.arc @jerallaire]

CPN provides a layer for extensibility so that 3rd party service providers and app developers can offer new capabilities on the network. Excited to see long-time Circle partner @humafinance and @arf_one become the first module with a credit-line product for CPN members.

[Ali Erhat Nalbant @alierhat]

RT @arf_one: Arf x @humafinance plan to join the @circle Payments Network as service providers, bringing receivables-backed, on-demand @USD…

[Arf @arf_one]

Yesterday at #CVSummit 2025, the panel “The New Rails: Stablecoins Leading the Next Era of Transactions & PayFi” brought together perspectives from across the stablecoin ecosystem.

The discussion highlighted how stablecoins processed $27.6T in 2024, moving tens of billions daily with over 25M monthly active users. The conversation covered:
- Existing and emerging use cases for stablecoins in payments, liquidity and infrastructure
- The dominance of USD in stablecoin volumes (99%) and what it means for global finance
- Whether this shift represents an evolution or a revolution in payments

[Arf @arf_one]

Arf has been featured in the Stablecoin Payments From the Ground Up report by @artemis, @CastleIslandVC, and @dragonfly_xyz - a comprehensive look at how stablecoins are being used in real-world financial systems. https://t.co/AxkdMX6WlY

We’ve enabled $4.5B+ in stablecoin-based liquidity for licensed financial institutions — including PSPs, B2B payment providers, OTC desks, and remittance companies — helping eliminate prefunding and enabling same-day settlements in global payments.

Thanks to the Artemis team for the recognition and to our partner @humafinance for powering the PayFi behind it.

[Huma Finance @humafinance]

We just got featured on @RootDataCrypto's Top 10 Hottest Projects!

If you're bullish on Huma, cast your daily vote here 👇
https://t.co/hJCMUwE7a4

Higher 🚀🚀

[Huma Finance @humafinance]

DeFi unlocked access - but most of it was built on speculation.

PayFi brings yield back to fundamentals, rooted in real economic activity.

This is “Real Life, Real Yield”

Huma 2.0 is live on @Solana! Start earning now:
🔗https://t.co/YusCjSMLQd

[Huma Finance @humafinance]

Huma 2.0 is The Next Wave! Now anyone can earn real yield and stack rewards, exclusively on @solana.

New quest is LIVE on @GalxeQuest 💫

Join the PayFi movement for a chance to grab a share of $2000 USDC
👉https://t.co/Q3ixfnYvuu

[Huma Finance @humafinance]

Huma 2.0 is now LIVE. Only on @solana!

🔥 REAL Yield is now open to everyone.

✅ Earn stable, double-digit yield, bull or bear
✅ Stack Huma Feathers up to 25x
✅ Plug into Solana DeFi w/ @JupiterExchange @MeteoraAG @KaminoFinance @RateX_Dex

Here’s what’s new👇

[Huma Finance @humafinance]

@MessariCrypto has released its first-ever report on the PayFi ecosystem—a major milestone for the industry!
This analysis highlights how PayFi is becoming the cornerstone of Web3 utility, transforming global payments.

2025 is shaping up to be the Year of PayFi, redefining how value moves across borders & within financial systems.

We’re proud to be at the forefront of this transformation, building the financial infrastructure of the future.

Check out some of the key highlights from the report👇
#PayFi #YearOfPayFi

[Arf @arf_one]

PayFi Ecosystem Report Is Out!

Excited to announce that the PayFi Ecosystem Analysis has been published by @MessariCrypto! https://t.co/ZKNQqS2rDi

As a top use case of PayFi in bridging traditional finance and decentralized finance, Arf is featured in the report as a key case study.

[Ali Erhat Nalbant @alierhat]

@jerallaire @circle @arf_one Thank you for the shoutout! A big thanks to @jerallaire and @circle for their continued support and partnership. @arf_one is shaping the future of global payments.

[Arf @arf_one]

We’re excited to announce our strategic partnership with LuLu Financial Holdings, a global financial services company, to transform settlement times to same-day and unlock growth in cross-border payments!

Here’s what this means:

✨ T-0 Settlement: LuLuFin will leverage Arf settlement liquidity and infrastructure for same day settlements.
✨ Empowering Growth: Arf enables payment companies to scale their operations without being limited by working capital constraints.

👉 https://t.co/WYmlxICqM5

[Arf @arf_one]

Yesterday, we had an amazing time at Webrazzi Fintech 2024 in Istanbul!

@alierhat joined a panel discussing the risks, rewards, and innovations shaping the DeFi ecosystem. The conversation explored how DeFi is redefining traditional finance, overcoming barriers to mass adoption, and preparing for the future of finance.🎙️#fintech24

[Arf @arf_one]

🌎RWA tokenization is transforming cross-border payments, driving transparency and efficiency. 👉 https://t.co/vQprWvlndd

With the global tokenization market projected to reach $16 trillion by 2030, blockchain ensures secure, immutable transaction records, real-time visibility, and automated compliance. Learn how tokenization is reshaping international finance!

[Huma Finance @humafinance]

🌍 Introducing our first campaign on @Solana! 🌍

With Huma, the first PayFi network, now launched on Solana, we’ve introduced a new Arf Cross Border Payment Financing Pool, offering investors an opportunity to fuel real world impact while earning double-digit yields.

🌟 Earn up to 26% USDC APY
📈 Receive up to 7x Huma Points

This limited-time campaign offers professional investors both 3-month & 6-month lock-up options for high-yield opportunities. Be part of the next chapter in global payment financing & join the campaign today: https://t.co/LmFXiggvPD