Arf

Global Liquidity and Settlement Platform for Financial Institutions in Global Payments

[Arf @arf_one]

Watch the full panel here: https://t.co/U5NAf6yeA4

[Arf @arf_one]

"Even with a perfect product, perfect pricing, and a perfect community, global payment companies still struggle to grow. Because the real product is money."

At the @IstanbulBlockWk, @alierhat spoke alongside Melchior de Villeneuve (@keyrock), Danny Bailey (@BlockdaemonHQ), and Marco Dal Lago (@tether) for the panel, Liquidity, Market Structure & Capital Formation in Fragmented Markets.

Together, they examined how market fragmentation impacts cross-border payments, how PayFi solves the problem of trapped capital, and what the future looks like for real-world adoption.

[Arf @arf_one]

Tomorrow at @IstanbulBlockWk, @alierhat joins Melchior de Villeneuve from @keyrock, Danny Bailey from @BlockdaemonHQ, and Marco Dal Lago from @tether on stage.

The panel, Liquidity, Market Structure & Capital Formation in Fragmented Markets, will cover the real cost of fragmentation in cross-border payments, how stablecoins are reshaping settlement and liquidity infrastructure, and what capital formation in digital assets actually looks like from here.

Date: Tuesday, June 2 | 5:05–5:45pm Istanbul Time

[Arf @arf_one]

We're in Amsterdam tomorrow for @money2020 Europe.

Capital locked in prefunding. Settlement that takes days. Liquidity that doesn't move with the transaction. These aren't new problem, but they're finally being solved.

Giray Hasanali and @DonatoGiarnera are on the floor June 2–4. See you there!

[Huma Finance @humafinance]

@arf_one Liquidity is king

[Arf @arf_one]

https://t.co/fLGOhWytuZ

[Arf @arf_one]

J.P. Morgan’s 2026 Payments Outlook Report reinforces a shift that has been building across financial infrastructure for some time: Liquidity is becoming a core design layer of modern payments.

Access to liquidity, instantly, across currencies, geographies, and market conditions, is increasingly central to how institutions think about resilience, capital efficiency, and operational continuity.

This is reflected in evolving treasury priorities:
• Real-time liquidity visibility and access
• More distributed, cross-border liquidity structures
• Greater automation in treasury decisioning
• Continuous working capital optimization

At a structural level, this reflects a simple change in constraint: It is no longer just about moving money efficiently. It is about ensuring liquidity is available where and when it is needed.

This is where the PayFi lens becomes useful. PayFi describes the convergence of payments and liquidity infrastructure, where funding, settlement, and optimization begin to operate in a more continuous system rather than fragmented cycles across intermediaries, time zones, and balance sheets. Within this shift, new infrastructure approaches are emerging that reduce friction between liquidity availability and liquidity movement.

Arf operates in this evolving landscape, focused on improving how cross-border liquidity is accessed and managed between financial institutions, as part of a broader transition toward more real-time, connected financial systems.

The direction of travel is clear:Payments infrastructure is moving beyond transaction execution toward liquidity orchestration, how capital is accessed, deployed, and optimized globally in real time.

For institutions building in this direction, liquidity is becoming the defining constraint and opportunity of the next phase of financial infrastructure.

[Istanbul Blockchain Week @IstanbulBlockWk]

📢 Speaker Announcement

We're thrilled to welcome @alierhat, Co-founder & CEO at @arf_one, to #IBW2026.

"𝗧𝗵𝗲 𝗴𝗹𝗼𝗯𝗮𝗹 𝗹𝗮𝘆𝗲𝗿 𝗳𝗼𝗿 𝗺𝗼𝘃𝗶𝗻𝗴 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗯𝗲𝗶𝗻𝗴 𝗿𝗲𝗯𝘂𝗶𝗹𝘁. 𝗣𝗮𝘆𝗙𝗶 𝗶𝘀 𝘁𝗵𝗲 𝗶𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 - 𝗽𝗿𝗼𝗴𝗿𝗮𝗺𝗺𝗮𝗯𝗹𝗲, 𝗯𝗼𝗿𝗱𝗲𝗿𝗹𝗲𝘀𝘀, 𝗶𝗻𝘀𝘁𝗮𝗻𝘁. 𝗕𝘂𝘁 𝘁𝗵𝗲 𝗹𝗮𝘆𝗲𝗿 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗼𝗽𝗲𝗻.

𝗡𝗼 𝗰𝗼𝘂𝗻𝘁𝗿𝘆 𝗵𝗮𝘀 𝘆𝗲𝘁 𝘄𝗼𝗻 𝘁𝗵𝗲 𝗿𝗮𝗰𝗲 𝘁𝗼 𝗯𝗿𝗶𝗻𝗴 𝗯𝗹𝗼𝗰𝗸𝗰𝗵𝗮𝗶𝗻 𝗮𝗻𝗱 𝗿𝗲𝗴𝘂𝗹𝗮𝘁𝗶𝗼𝗻 𝘁𝗼𝗴𝗲𝘁𝗵𝗲𝗿 𝗶𝗻𝘁𝗼 𝗮 𝘄𝗼𝗿𝗸𝗶𝗻𝗴 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘆𝘀𝘁𝗲𝗺. 𝗧𝗵𝗮𝘁 𝘀𝗲𝗮𝘁 𝗶𝘀 𝘀𝘁𝗶𝗹𝗹 𝗲𝗺𝗽𝘁𝘆. 𝗧𝘂̈𝗿𝗸𝗶𝘆𝗲 𝗵𝗮𝘀 𝗲𝘃𝗲𝗿𝘆 𝗿𝗲𝗮𝘀𝗼𝗻 𝘁𝗼 𝗯𝗲 𝘁𝗵𝗲 𝗼𝗻𝗲 𝘄𝗵𝗼 𝗱𝗼𝗲𝘀𝗻'𝘁 𝗷𝘂𝘀𝘁 𝗱𝗲𝘀𝗶𝗴𝗻 𝘁𝗵𝗶𝘀 𝗳𝘂𝘁𝘂𝗿𝗲 - 𝗯𝘂𝘁 𝗯𝘂𝗶𝗹𝗱𝘀 𝗶𝘁."

Istanbul Blockchain Week brings together the global Web3 ecosystem of founders, builders, investors, and innovators.

📅 June 2–3, 2026
🎟️ Secure your spot now: https://t.co/jFQvb6JK2O

[Arf @arf_one]

We're heading to Miami for @consensus2026!

@ozyilmazkazim will be in Miami from May 5-7 to connect with industry leaders, partners, and innovators.

Let's discuss the future of cross-border payments and liquidity solutions. See you there! 🌍

[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

[Arf @arf_one]

Arf will be at @ParisBlockWeek 🇫🇷

@alierhat , @ozyilmazkazim and the Arf team will be in Paris on April 15–16 at Carrousel du Louvre.

We will discuss how global liquidity and settlement infrastructure is evolving to unlock more capital-efficient, scalable cross-border payments for financial institutions.

[Huma Finance @humafinance]

1/ Institutional yield meets institutional-grade transparency.

$PST is now independently verified by @AccountableData, providing third party assurance on asset exposure and performance, with near real-time visibility.

Underlying Arf receivables are now verified on a monthly basis by Swiss audit firm Wadsack.

[Arf @arf_one]

Important: Our official X account is compromised.

Do not interact with any posts from the account until the account is restored.

[Arf @arf_one]

“Cross-border payments are entering a phase where capital management and payment execution move within a single programmable flow. By aligning funding and settlement in real time via PayFi, this model improves cash visibility, reduces trapped capital, and simplifies global liquidity management.”

@alierhat contributed to @ThePAssoc ’s report, “Cross-border payments in 2026: Friction and reform.” The article provides a holistic overview of the structural challenges shaping global money movement, covering liquidity bottlenecks, correspondent banking friction and the emerging technologies addressing them.

Read more here: https://t.co/SMRb5FzdBu

[Arf @arf_one]

Following last week’s discussions at Davos, one thing became clear: PayFi and global payments are moving from future vision to real-world execution.

Across sessions, there was strong alignment around real-time payment infrastructure, the growing role of stablecoins in live payment flows, and the shift toward programmable liquidity and compliance operating directly inside transactions. Agentic payment models are also beginning to shape how next-generation payment networks will operate.

We break down the key PayFi takeaways and what they mean for payment providers, banks, and financial institutions.

Read the full analysis here: https://t.co/wZzp54rA9u

[Arf @arf_one]

PayFi is no longer a concept—it is the new financial layer for global payments.

At Davos, together with LuLu Financial Holdings and the @StellarOrg, we discussed how PayFi is already redefining the movement of value at a global scale.

By embedding liquidity, compliance, and settlement directly into the payment flow, we move beyond legacy models toward a live, on-chain execution layer built for institutional use.

With our partners, we are proving that global payments can finally be autonomous and real-time. This isn’t a conversation about the future of financial infrastructure — it’s infrastructure that’s already being deployed.

Full announcement from Davos: https://t.co/R0EriDwX6L

[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

[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

[Arf @arf_one]

Last week at @crosstech_ World 2025, Giray joined the panel “The Next Era of Fintech Payments: Breaking Barriers | Powering Growth” alongside Adam Swartzbaugh, Nicolas Ochoa Di Iorio and Karlo Torres.

The session highlighted how technological innovation, regulatory changes and evolving consumer expectations are transforming global fintech payments. Through discussions on digital-first banking, real-time cross-border movement and financial inclusion efforts, the panel outlined how these trends are driving new opportunities for global growth.