Case Study: Arf achieves faster, transparent cross-border settlements with Stellar

How Arf Gives Financial Institutions Access to New Markets

Arf, a regulated global liquidity platform for financial institutions, was constrained by the traditional correspondent banking infrastructure. This system required enormous amounts of pre-funding capital to facilitate cross-border payments, creating a significant barrier to growth and innovation for both new and established companies. Stellar provided the foundational network for the solution, utilizing Stellar USDC and its cross-border payment tools.

Stellar's solution enabled Arf to offer the world's first short-term, revolving, USDC-based credit lines. By leveraging the Stellar network's interoperability and speed, Arf eliminated the need for pre-funding and provided transparent, same-day settlements. The results for Arf were significant, including extending over $830 million in loans and achieving an annual capital turnover of 50x, demonstrating Stellar's effectiveness in solving liquidity constraints.

Arf

Ali Erhat Nalbant

Co-Founder & CEO