Co-founder & CEO of Arf @arf_one
Zurich, Switzerland
Joined February 2010
- Tweets2.3K
- Following3K
- Followers1.6K
- Likes1.1K
Ali Erhat Nalbant retweeted
There’s now a dozen RWA on @Solana With >$100 million
including @humafinance PayFi Strategy Token
PayFi Season
Ali Erhat Nalbant retweeted
Settlement liquidity is exactly the kind of use case @XRP Ledger and RLUSD are built to support.
@Arf_One is bringing its approach to settlement liquidity to the XRP Ledger, using RLUSD to support short-term working capital for licensed payment companies as cross-border payments settle.
Arf is bringing settlement liquidity to the @XRP Ledger.
Cross-border payments move trillions of dollars every year, but the capital needed to move that money often remains tied up across markets.
That’s why we’re partnering with @Ripple to bring RLUSD-powered settlement liquidity to licensed cross-border payment companies on the XRP Ledger (XRPL).
Read the full announcement: arf.one/arf-and-ripple-partn…
Very excited to announce that Arf and @Ripple are partnering to bring PayFi to XRP Ledger.
Arf is bringing settlement liquidity to the @XRP Ledger.
Cross-border payments move trillions of dollars every year, but the capital needed to move that money often remains tied up across markets.
That’s why we’re partnering with @Ripple to bring RLUSD-powered settlement liquidity to licensed cross-border payment companies on the XRP Ledger (XRPL).
Read the full announcement: arf.one/arf-and-ripple-partn…
Ali Erhat Nalbant retweeted
Top tokenized credit platforms by distributed value:
@stokr_io $1.4B
@maplefinance $1.0B
@centrifuge $746.8M
Realiz $500.0M
@Securitize $488.8M
@HastraFi $438.0M
@chainlink (CCIP) $419.5M
@onrefinance $244.3M
@paretocredit $218.7M
@humafinance $210.7M
Source: @RWA_xyz
Ali Erhat Nalbant retweeted
Proud to announce that Arf has been featured in the 11th edition of the CV VC Crypto Valley Top 50 & Ecosystem Report. Out of over 1,700 active blockchain entities in Switzerland, Arf has been recognized as one of the Top 25 Private Valuation Leaders.
As a Swiss-regulated global liquidity and settlement platform we’re the main builder of PayFi. By providing blockchain-based working capital credit lines to licensed financial institutions, we are addressing a critical $4 trillion liquidity gap in global cross-border payments.
Also features an article by @alierhat, titled "The $4 Trillion Gap: A New Asset Class For Institutional Capital”. Ali explores how the cross-border payments industry moves $156 trillion per year, yet an estimated $4 trillion in working capital remains frozen in prefunded accounts at any given moment and how address this inefficiency through short-term fixed and on-demand credit lines, creating a new short-duration, receivables-backed asset class for institutional capital.
Read the full CV VC 2025 Report to see how Arf is building the new infrastructure of global payments. 👉 arf.one/arf-recognized-in-th…
🤖 Made with AI
Davos takeaway: the shift in payments isn’t theoretical anymore.When liquidity, execution, and compliance are embedded inside the transaction, payments can fund, execute, and settle autonomously. That’s PayFi. Thanks to @adeeb_ahamed, @rajachak75, and @elbruzyilmaz and @CV_Labs
“Global payments are being rebuilt around real-time liquidity, agentic execution, and embedded compliance. When these capabilities are natively integrated into the transaction, payments can fund, execute, and settle autonomously. This model is live today through PayFi.”
Today, @alierhat spoke at Davos on the panel we hosted, “The PayFi Shift: Agentic Payments, Compliance & Liquidity,” alongside @adeeb_ahamed (LuLu Financial Holdings) and @rajachak75 (@StellarOrg), with @elbruzyilmaz (Outrun) as moderator.
The discussion focused on how global payments are moving beyond pilots and proofs of concept, with programmable liquidity, embedded compliance, and on-chain settlement already operating inside live payment networks through PayFi—a finance and execution layer co-developed by Arf and its partners.
#Web3HubDavos
Excited to be in Davos during World Economic Forum week with our partners, LuLu Financial and @StellarOrg
At #Web3HubDavos, we’ll unpack PayFi — where programmable liquidity, embedded compliance, and agentic payments come together to reshape global payments
At Web3 Hub Davos, we are bringing together leaders from LuLu Financial Holdings and the @StellarOrg to unpack a major shift in global payments: PayFi. The panel will explore programmable liquidity, embedded compliance, and agentic payments, taking place during World Economic Forum week.
Date: January 19, 2026, 12:00 pm CET
Speakers:
• @alierhat, Co-founder & CEO, Arf
• @adeeb_ahamed, Managing Director, LuLu Financial Holdings
• @rajachak75, Chief Business Officer, Stellar Development Foundation
• @elbruzyilmaz, Managing Partner, Outrun (Moderator)
👉 Sign up: luma.com/48tal4dd?tk=ZhzpI2
@CV_Labs
@thecryptovalley
#Web3HubDavos
Ali Erhat Nalbant retweeted
Ali Erhat Nalbant retweeted
CPN provides a layer for extensibility so that 3rd party service providers and app developers can offer new capabilities on the network. Excited to see long-time Circle partner @humafinance and @arf_one become the first module with a credit-line product for CPN members.
RT @arf_one: Arf x @humafinance plan to join the @circle Payments Network as service providers, bringing receivables-backed, on-demand @USD…
Ali Erhat Nalbant retweeted
Yesterday at #CVSummit 2025, the panel “The New Rails: Stablecoins Leading the Next Era of Transactions & PayFi” brought together perspectives from across the stablecoin ecosystem.
The discussion highlighted how stablecoins processed $27.6T in 2024, moving tens of billions daily with over 25M monthly active users. The conversation covered:
- Existing and emerging use cases for stablecoins in payments, liquidity and infrastructure
- The dominance of USD in stablecoin volumes (99%) and what it means for global finance
- Whether this shift represents an evolution or a revolution in payments
Ali Erhat Nalbant retweeted
Arf has been featured in the Stablecoin Payments From the Ground Up report by @artemis, @CastleIslandVC, and @dragonflyvc - a comprehensive look at how stablecoins are being used in real-world financial systems. stablecoin.fyi/
We’ve enabled $4.5B+ in stablecoin-based liquidity for licensed financial institutions — including PSPs, B2B payment providers, OTC desks, and remittance companies — helping eliminate prefunding and enabling same-day settlements in global payments.
Thanks to the Artemis team for the recognition and to our partner @humafinance for powering the PayFi behind it.
Ali Erhat Nalbant retweeted
We just got featured on @RootDataCrypto's Top 10 Hottest Projects!
If you're bullish on Huma, cast your daily vote here 👇
rootdata.com/Projects/detail…
Higher 🚀🚀
📊 RootData Daily Report (2025/4/17)
A Thread 🧵👇
1/ 🔥 Top 10 Hot Projects 🚀🎉
1️⃣ @get_optimum
2️⃣ @glider__
3️⃣ @WalletConnect
4️⃣ @ResolvLabs
5️⃣ @TakerProtocol
6️⃣ @townsxyz
7️⃣ @OrochiNetwork
8️⃣ @BytenovaAI
9️⃣ @humafinance
🔟 @MANTRA_Chain
👀➡️ rootdata.com
Ali Erhat Nalbant retweeted
DeFi unlocked access - but most of it was built on speculation.
PayFi brings yield back to fundamentals, rooted in real economic activity.
This is “Real Life, Real Yield”
Huma 2.0 is live on @Solana! Start earning now:
🔗app.huma.finance
Ali Erhat Nalbant retweeted
Huma 2.0 is The Next Wave! Now anyone can earn real yield and stack rewards, exclusively on @solana.
New quest is LIVE on @GalxeQuest 💫
Join the PayFi movement for a chance to grab a share of $2000 USDC
👉app.galxe.com/quest/huma/GCb…
Ali Erhat Nalbant retweeted
Huma 2.0 is now LIVE. Only on @solana!
🔥 REAL Yield is now open to everyone.
✅ Earn stable, double-digit yield, bull or bear
✅ Stack Huma Feathers up to 25x
✅ Plug into Solana DeFi w/ @JupiterExchange @MeteoraAG @KaminoFinance @RateX_Dex
Here’s what’s new👇
Ali Erhat Nalbant retweeted
@MessariCrypto has released its first-ever report on the PayFi ecosystem—a major milestone for the industry!
This analysis highlights how PayFi is becoming the cornerstone of Web3 utility, transforming global payments.
2025 is shaping up to be the Year of PayFi, redefining how value moves across borders & within financial systems.
We’re proud to be at the forefront of this transformation, building the financial infrastructure of the future.
Check out some of the key highlights from the report👇
#PayFi #YearOfPayFi
Ali Erhat Nalbant retweeted
PayFi Ecosystem Report Is Out!
Excited to announce that the PayFi Ecosystem Analysis has been published by @MessariCrypto! messari.io/report/payfi-ecos…
As a top use case of PayFi in bridging traditional finance and decentralized finance, Arf is featured in the report as a key case study.
