arf

• Name: arf
• URL: https://arf.one/
• Category: Regulated cross-border payments liquidity / settlement / receivables-backed credit infrastructure
• Summary: arf is a regulated liquidity and settlement platform focused on supplying short-term working capital to cross-border payment companies. Its official materials emphasize a different slice of crypto-financial infrastructure than most payment APIs: rather than primarily selling wallet UX or fiat on/off-ramp widgets, arf frames itself as receivable-backed, revolving liquidity that helps licensed institutions eliminate destination-market prefunding while using stablecoins and onchain visibility as operational plumbing. The primary-source surface spans a homepage and product pages plus a concrete Liquidity API with client, bank-information, chain-information, credit-simulation, and credit-creation endpoints.
• What it does:
  • Extends short-term, receivable-backed liquidity for cross-border payment flows so operators can settle faster without keeping as much capital pre-funded in destination markets
  • Serves licensed financial institutions rather than retail users, with compliance and regulatory membership featured prominently in official materials
  • Uses stablecoin-based and onchain-visible transaction flows as part of its liquidity and settlement design
  • Publishes an API surface for onboarding clients, registering bank and chain information, simulating credit pricing, and submitting credit requests
  • Maintains a public transparency page and dashboard showing aggregate liquidity and onchain activity metrics
• Key claims:
  • The homepage calls arf a regulated liquidity and settlement platform for cross-border payment companies and says it only provides services to licensed financial institutions
  • Product pages describe arf Liquidity as short-term, receivable-backed liquidity with 1-5 day repayment terms and no collateral requirement
  • Official copy repeatedly positions prefunding elimination as a core value proposition for global payments corridors
  • The transparency page says loans, repayments, and receivables can be traced onchain and links to a live dashboard
  • The Liquidity API docs show concrete sandbox/live environments, RSA-4096 request signing for sensitive endpoints, and credit-check / credit-create workflows tied to client profiles
• Whitepaper: No classic standalone whitepaper or litepaper was found during this pass. The strongest primary materials were arf’s official site, liquidity and transparency pages, and the Liquidity API docs; see ../whitepapers/arf-primary-sources-2026-04-26.md.
• Sources:
  • https://arf.one/
  • https://arf.one/arf-liquidity/
  • https://arf.one/transparency/
  • https://docs.arf.one/
  • https://docs.arf.one/introduction-1261159m0
  • https://docs.arf.one/environments-1261176m0
  • https://docs.arf.one/authentication-1261164m0
  • https://docs.arf.one/create-client-18921877e0
  • https://docs.arf.one/create-bank-information-20886802e0
  • https://docs.arf.one/create-chain-information-20886804e0
  • https://docs.arf.one/check-credit-18921900e0
  • https://docs.arf.one/create-credit-18921921e0
• Last reviewed: 2026-04-26 UTC