SINGAPORE — Arf, a Swiss-regulated cross-border payment liquidity provider, has announced its integration with Circle Payments Network (CPN), enabling qualified users to access on-demand credit and eliminate prefunding requirements for settlements.
This collaboration, powered by Huma Finance's PayFi infrastructure, will accelerate cross-border stablecoin settlements while improving capital efficiency, according to Circle Internet Financial (CRCL) senior executives. Circle issues USDC, the world's second-largest stablecoin with $73.26 billion market capitalization.
The partnership addresses critical challenges in international finance by allowing instant fund transfers without capital lock-up periods. Payment industry leader Visa (V) is pursuing similar solutions through its Visa Direct platform's stablecoin prefunding pilot program.
Through this regulated framework, Arf (licensed by Switzerland's VQF) and Huma enable same-day USDC settlements, helping financial institutions optimize working capital, reduce operational costs, and accelerate payment processing.
Industry analysis reveals 90% of financial institutions have adopted stablecoin integration, with 58% prioritizing cross-border payment applications. Market projections indicate the stablecoin sector could reach $3 trillion by 2028.