Swiss Fintech Arf merges with Huma Finance

Global money movement is a critical economic driver, yet it remains a cumbersome system of clearing-houses, market-by-market capital requirements, and country-specific regulations. Currently, $4 trillion is locked in treasury accounts, a massive but hidden working capital burden to financial institutions and the global payments industry.

Dedicated to building a foundation for a financial system that is universally more accessible and used by billions over the next decade, Arf was established with headquarters in Zug, with teams in Istanbul, London, and New York. The global transaction services platform is at the intersection of Web3 and traditional finance, providing scalable liquidity to financial institutions. The company has surpassed $1 billion in onchain liquidity volume in 2024, a testament to its commitment to enabling financial institutions worldwide to overcome financial barriers.

In their 2023 partnership with Huma Finance, a leading tokenization platform for real world impact, Arf sought to further address the outstanding challenges with the support of Stellar Development Foundation, by providing a liquidity on-demand solution backed by real world asset tokenization and Circle's stablecoin USDC. Demand from major global payments players has continued to rise, currently at $500 million monthly.

The two companies have now merged, creating a combined company that will focus on making cross border payments and asset tokenization more accessible with transparency, real-time efficiency, and the trust of blockchain technology. Building Arf's liquidity capabilities on Huma's platform will enable financial institutions to offer commercial and consumer payments without the working capital requirement. Arf and Huma will continue to expand their liquidity solutions to adjacent use cases as well.

Ali Erhat Nalbant, co-founder and CEO of Arf says: "We're excited to join with Huma to integrate our liquidity platform with Huma's real-world asset-based blockchain protocol, enabling financial institutions to realize the promise of blockchain with onchain transparency and full compliance."

"Huma's mission is to amplify the real-world impact of blockchain technology," said Erbil Karaman, co-founder and co-CEO of Huma Finance. "About one billion people around the world are dependent on international payments, a figure that is expected to grow due to many factors, including more people working digitally. By merging with Arf, we hope to make a bigger, tangible impact on financial inclusion, providing the infrastructure for fast, transparent, and accessible liquidity solutions."

(Press release/RAN)