Arf

Messari's Crypto Theses 2025 shines a light on PayFi – a game-changing approach to payment financing. Traditional payment solutions are slow (days to settle), expensive (7% global remittance fees), and often inaccessible. Blockchain and stablecoins are changing this paradigm. As part of the Arf team, I'm excited to see how, together with Huma Finance, we're helping create more efficient, global financial networks that can unlock working capital for businesses across continents. The future of finance is being rewritten – faster, more inclusive, and truly global. 🌐💡 📖 Read the Report: https://messari.co/3ZZAWgP

Messari’s Crypto Theses 2025 puts PayFi in the spotlight 🚀 Proud to see Arf featured alongside Huma Finance as key players transforming cross-border payments. PayFi is reshaping global finance, and stablecoin-powered solutions are at the heart of this shift. Read more in Messari’s latest report 👇

Yesterday, we had an amazing time at Webrazzi Fintech 2024 in Istanbul! Ali Erhat N. 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

Webrazzi Editörü Tuğçe İçözü, Arf Kurucu Ortak ve CEO'su Ali Erhat N. ve Danışman Doruk Işmen, DeFi ekosisteminde riskler, ödüller ve yenilikleri ele alıyor. #fintech24

Ever wondered why sending money across borders feels like navigating a maze? 🌍💸 Enter PayFi (Payment Financing)—a revolutionary approach that's rewriting the rules of global payments. Imagine a world where: - International transfers take seconds, not days - Transaction fees are cents, not percentages - 1.7 billion unbanked people can finally access financial services PayFi isn't just technology. It's a financial lifeline. Think of it like a global financial highway, breaking down the walls between traditional banking and modern blockchain solutions. It creates a seamless network where money moves as easily as information—transparent, fast, and incredibly efficient. Huma Finance is pioneering this transformation. The future of money isn't about complexity. It's about connection. More here: https://lnkd.in/dA9Y6YPU

🚀 Excited to announce that I’ll be attending Abu Dhabi Finance Week! 🌍 At Arf, we’re on a mission to revolutionize payments by providing unparalleled liquidity solutions to OTC desks and MSBs across the globe, including the dynamic Middle East region. We enable real-time settlement for international transactions—bringing speed, efficiency, and reliability to the forefront of the financial landscape. If you’re attending Abu Dhabi Finance Week, let’s connect! I’d love to discuss how we can help your business. #AbuDhabiFinanceWeek #Payments #Liquidity #Stablecoins #LiquiditySolutions #RealTimeSettlement

The Seminole Tribe’s story is one of resilience, independence, and innovation. As one of the few Native American tribes that never signed a peace treaty with the United States, the Seminoles adapted to immense challenges by forging their own systems of governance and trade. Today, their pioneering spirit shines in industries like hospitality and gaming, exemplified by the iconic Seminole Hard Rock Hotel in Miami. Standing at the Seminole Hard Rock Hotel during the recent #CrossTech event, I reflected on the Tribe’s journey and how their ability to adapt and thrive mirrors the seismic changes happening in cross-border payments. Just as the Seminoles bridged cultural and economic divides to thrive, cross-border payments today are about connecting fragmented financial ecosystems. The goal? Seamless, instant, and secure transactions that transcend borders. One of the key trends dominating the event was the undeniable rise of stablecoins like USDC in cross-border payments. What was once a theoretical debate has become a real-world movement reshaping the market. Stablecoins are no longer just emerging—they’re driving faster settlements, reducing costs, and improving transparency in ways traditional systems can’t match. As new players embrace digital assets and established ones struggle to keep up, it’s clear: adaptability is key. This transformation hasn’t come without its disruptions. Significant acquisitions and partnerships signal the market’s recognition of innovation, while some legacy companies have faltered, unable to meet the demands of agility and instant settlement. In today’s landscape, businesses can’t rely solely on loyal customers—speed, efficiency, and adaptability are the new benchmarks for success. At Arf, we see this as an opportunity. By providing real-time, cross-border liquidity solutions, we empower payment providers to thrive in this evolving environment. Instant settlement isn’t just a trend; it’s the new standard. Those who embrace it will be the ones to succeed in this next chapter of cross-border payments. The Seminole Tribe’s resilience reminds us of a universal truth: the future belongs to those who adapt, innovate, and seize the moment. Inspired by their legacy, we’re committed to eliminating financial barriers, enabling global commerce to move at the speed of now, and building a future where financial inclusion knows no borders. #CrossTechWorld2024 #CrossTech2024 #CrosstechConference2024 #Fintech #Remittances #MoneyConference #PaymentsInnovation

💭 Reflections from the Singapore FinTech Festival 2024: Navigating Change in Payments Last week at SFF2024, it was clear that we’re on the verge of pivotal shifts in cross-border payments. Here are three key takeaways: 1️⃣ Stablecoins on the Rise: Over $150 billion in circulation, stablecoins are becoming vital for real-time cross-border transactions, offering lower costs and instant settlement solutions; 2️⃣ U.S. Election & Compliance: Regulatory clarity in the U.S. will impact global MSBs and OTCs—staying ahead on compliance is crucial; 3️⃣ Rising Demand for Liquidity Solutions: APAC drives nearly 50% of global remittance growth, despite challenges like China’s downturn. With 65% of APAC financial institutions expecting cross-border payments to rise in the next 3 years, flexible, real-time liquidity solutions like Arf paired with stablecoins are becoming essential for FIs to meet this demand in a scalable manner. Lastly, I had the privilege of moderating #Ascend, co-hosted by Huma Finance. We explored the transformative potential of #RWA applications, highlighting how traditional and decentralized finance are converging rapidly. It was inspiring to connect with innovators like DigiFT and arkreen, proving that this convergence is not just a vision but a reality in motion. Both SFF and Ascend reaffirmed that the future is driven by speed, compliance, and stablecoin integration in finance. Exciting times ahead for those navigating these changes!

⭐️Huma protocol is now live on Solana! ⭐️ We've officially launched on Solana, bringing the most advanced RWA protocol to one of the fastest-growing blockchains and expanding our PayFi network to offer instant liquidity solutions for global businesses. With 400ms finality and fees as low as $0.0025, Solana is built for global payments. Leveraging Solana’s network, we’re continuing to hyper-scale our network to deliver stable, fast, and secure payment solutions worldwide. This year has been pivotal for Huma: a $38M raise, our merger with Arf and over $2B processed with zero defaults, putting us on track to surpass $10B in 2025. Deploying our protocol on Solana enables us to meet the payment industry’s growing demand for affordable, accessible, and secure on-chain financing. In tandem with this launch, we’re running a limited-time campaign on Solana for professional investors, offering the opportunity to be part of the next chapter in global payment financing. You can join the campaign here! https://lnkd.in/gXMhDsAe Learn more: https://lnkd.in/gBSuyFzG

🌍 The 2024 CrossTech Innovation Awards Finalists have been unveiled! 🌍 Discover the innovative companies driving digital transformation, redefining payments, and championing financial inclusion in the cross-border industry. 📈🔍 These innovators are also vying for the Industry Leader Award – Popular Vote 🏆, honoring businesses prioritizing client-centric solutions and building lasting trust. 🔎 Is your preferred money transfer or payment service provider in the running? Cast your vote today! https://lnkd.in/e6G2e92c #CrossTechWorld2024 #Mastercard #CrossTech2024 #FintechPayments2024 #CrosstechConference2024 #moneyconference #fintech #remittances Mastercard, PaasPay, PMI America, Félix, UniTeller Financial Services, Balam, ThetaRay, Brightwell, Telepin, Arf, Prepay Nation, Pepper Labs, MoneyGram International, Inyo.Global, dLocal, Banco Guayaquil, Almond FinTech, Blokko.io, Bitwave