Arf

Arf is a Switzerland-regulated liquidity and settlement platform for cross-border payments, providing short-term, receivable-backed, revolving working capital to licensed payment institutions and money-transfer operators. Its core product, Arf Liquidity, lets payment companies settle across any corridor 24/7 without prefunding destination accounts, using regulated real-world-asset-backed digital assets and stablecoins (including USDC) for native on-ramp/off-ramp value transfer and real-time treasury management. Arf is a compliance-first, VQF self-regulatory-organization member serving only licensed financial institutions, and partners with Circle, Stellar, and Visa. This profile was surfaced as a 500 Global portfolio company and enriched from Arf's public web presence; Arf does not currently publish a public developer portal or API.

Arf is profiled on the APIs.io network. Tagged areas include Company, Payments, Cross-Border Payments, Settlement, and Liquidity.

Arf’s developer surface includes engineering blog, signup flow, support, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.7/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyPaymentsCross-Border PaymentsSettlementLiquidityStablecoinsFintechTreasury Management

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 14.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.3 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/arf: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

Compliance

Compliance

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 5

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

LinkedIn

Twitter

Twitter

Source (apis.yml)

aid: arf
name: Arf
description: Arf is a Switzerland-regulated liquidity and settlement platform for cross-border payments, providing short-term,
  receivable-backed, revolving working capital to licensed payment institutions and money-transfer operators. Its core product,
  Arf Liquidity, lets payment companies settle across any corridor 24/7 without prefunding destination accounts, using regulated
  real-world-asset-backed digital assets and stablecoins (including USDC) for native on-ramp/off-ramp value transfer and real-time
  treasury management. Arf is a compliance-first, VQF self-regulatory-organization member serving only licensed financial
  institutions, and partners with Circle, Stellar, and Visa. This profile was surfaced as a 500 Global portfolio company and
  enriched from Arf's public web presence; Arf does not currently publish a public developer portal or API.
url: https://raw.githubusercontent.com/api-evangelist/arf/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://arf.one/wp-content/uploads/2024/08/arf.jpg
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Payments
- Cross-Border Payments
- Settlement
- Liquidity
- Stablecoins
- Fintech
- Treasury Management
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://arf.one
- type: Blog
  url: https://arf.one/blog/
- type: BlogRSS
  url: https://arf.one/blog/feed/
- type: PrivacyPolicy
  url: https://arf.one/privacy-policy/
- type: SignUp
  url: https://arf.one/credit-line-waitlist/
- type: Support
  url: mailto:info@arf.one
- type: Compliance
  url: https://arf.one/membership/
- type: Conformance
  url: conformance/arf-conformance.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/arf-one
- type: Twitter
  url: https://twitter.com/arf_one
- type: DomainSecurity
  url: security/arf-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Arf