Arf
Zug, CH · Founded 2019 · 89 employees on LinkedIn · 11 known investors
Arf operates a liquidity platform for licensed financial institutions in the cross-border payments sector, offering on-ramp and off-ramp infrastructure and settling with real-world-asset-based digital assets such as stablecoins. The company serves regulated cross-border payment companies and emphasizes compliance with financial regulations.
Also known as Arf Financial GmbH
Founders & leadership
Arf was founded in 2019 by Ahmet Özcan, Ali Nalbant, Berhan Kongel, and Kazım Ozyılmaz.
Investors · 11
Also in the syndicate · 1
Funding
SEC filings, press & company announcements- Undisclosed amountSeed FundingOct 2022Source ↗
Source: company announcements and press reports — follow each round's link for the claim.
Company profile
researched Aug 2026Arf, operating as Arf Financial GmbH, runs a regulated liquidity and settlement platform aimed at cross-border payment companies. Its core product, Arf Liquidity, provides short-term, receivable-backed, revolving credit that lets payment businesses fund cross-border transactions without pre-funding destination accounts, freeing capital for growth and expansion instead. The platform also offers native on-ramp and off-ramp capabilities to move value across borders, always-on (24/7) treasury management, and real-time settlement outside traditional payment rails.
The company positions Arf Liquidity as a regulated, transparent short-term liquidity solution and reports headline platform metrics including total liquidity volume, total on-chain volume and monthly capital turnover. Arf publishes an educational content stream, Arf Insights, covering topics such as USDC use cases in cross-border payments, the role of digital assets in cross-border payments, liquidity pools, and global cross-border payment flows.
Business model
Arf extends short-term, receivable-backed, revolving liquidity to licensed cross-border payment companies and provides associated settlement, on-ramp and off-ramp infrastructure, with liquidity recycled through monthly capital turnover.
Traction
The company reports total liquidity volume, total on-chain volume and monthly capital turnover figures on its site, and lists strategic partners, memberships and awards.
▸Full profile — market position, technology, go-to-market, geography, risks & controversies
Market position
Arf describes its offering as the world's first regulated, transparent and short-term liquidity solution for cross-border payments, emphasizing a compliance-first approach: it is regulated in Switzerland, serves only licensed financial institutions, and restricts settlement to real-world-asset-based and attested digital assets.
Technology
The platform combines payment infrastructure with native on-ramp and off-ramp capabilities and settles using real-world-asset-based and attested digital assets such as stablecoins, enabling real-time settlement independent of traditional rails and generating on-chain transaction volume.
Go-to-market
Licensed financial institutions and cross-border payment companies that require working capital and settlement infrastructure for international transactions.
Geography
Headquartered at Dammstrasse 16, 6300 Zug, Switzerland, serving cross-border payment corridors.
Risks & controversies
Arf's activities are tied to regulatory compliance requirements, including anti-money-laundering and counter-terrorism-financing obligations under its VQF self-regulatory organization membership, and it limits services to licensed financial institutions.
Compiled by commissioned research from 1 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
In the news
▸Research sources · 1
primary sources listed
- Arfarf.one · web
1 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Arf do?
- Swiss-regulated liquidity and settlement platform providing short-term, receivable-backed working capital to cross-border payment firms.
- Who founded Arf?
- Arf was founded by Ahmet Özcan, Ali Nalbant, Berhan Kongel, Kazım Ozyılmaz in 2019.
- Who are Arf's investors?
- Arf's investors include 500 Emerging Europe, Fenbushi Capital, Signum Capital, Blockchain Founders Fund, Circle Ventures, Hard Yaka, NGC Ventures, Stellar Development Foundation and 2 more.
- Where is Arf headquartered?
- Arf is headquartered in Zug, CH.