Arf is part of Visa Innovation Program’s 2nd batch
The program operates under Visa Everywhere Initiative 2020
Arf is part of Visa Innovation Program’s 2nd batch
The program operates under Visa Everywhere Initiative 2020
Arf offers any business dealing with international payments, mass payouts or cross-border remittances 3 major competitive advantages;
Entering any country / corridor
with very low operating capital
(no pre-funding)
Cross-Border instant and low-cost
settlements for any corridor
independent of the SWIFT network
License Coverage & Compliance
via a global network of well recognized
financial institutions and partners
We serve financial institutions and payments companies including but not limited to licensed money transfer operators, banks, neobanks, prepaid card issuers, telcos with e-money license and mass payout companies serving to clients such as Airbnb, Booking, Upwork, Uber, etc.
Our vision is to become the standard licensed financial institution for instant international transfers.
Arf Labs
No License? No Problem! We Provide Global KYC/AML & License Coverage
Arf Compliance API provides Financial License Coverage, Document Verification, Liveness Verification, Sanction / Watchlist / PEP-List Checks, Adverse Media and Transaction Monitoring & Flagging at Global Scale. Outsource your compliance needs entirely to our technology and our expert team with just a few lines of code.
Our powerful Compliance API can easily reconcile end-to-end KYC requirements of a transaction between a Financial Institution that operates physical locations (i.e. requires physical KYC) with another that only operates digitally (i.e. requires digital KYC).
Instant & Low-Cost Settlements
Arf Transfer API provides global money collection / disbursement / settlement capabilities and provides best foreign exchange rates. Thanks to our proprietary technology, Transfer API eliminates the need for pre-funding and SWIFT transfers by establishing high-liquidity/low-volatility digital asset channels where all transactions can occur with local currencies via local banks and e-money / payment institutions. We give you instant access to our global network of trusted partners.
In today’s fast-moving financial environment any business dealing with international payments, mass payouts or cross-border remittances needs 3 things to stay competitive:
Arf not only offers these in easy-to-adopt API packages at a global scale but it also fortifies its state-of-the-art technology with a robust Banking Infrastructure, Trust & Transparency and Compliance.
Arf Provides EUR & GBP IBANs to All its Customers & Partners
Arf provides all its customers & partners IBANs denominated in Euro and British Pound. As a result, all customers and partners are equipped with SEPA & UK Faster Payments capabilities for money collection, disbursement and settlement. Additionally, all inter-institution settlements are finalized instantly with no fees.
Arf Transfer API is connected to all IBANs and automatically tracks all necessary IOUs (“I Owe You”), including fx-rates, between financial institutions that facilitate payments, transfers and settlements on Arf’s global network.
Real Time Tracking of Funds & Professional Indemnity Insurance
Arf’s Compliance and Transfer APIs fully automate end-to-end payments and analyze all transactions in real-time so that you never have to worry where your funds or who your users are.
You can track all your funds and status of your payments as well as your users’ complete risk profiles on Arf’s Dashboard and take necessary actions in real-time with just a few clicks if something is not right.
Your funds are also under the protection of “Professional Indemnity Insurance” (PII) to provide a further shield to safeguard your business.
Globally Recognized KYC & AML
Partners in a Single API
Arf is a financial institution regulated by the Financial Conduct Authority (FCA) in the United Kingdom.
In order to comply with all applicable laws at a global scale Arf works with globally recognized partners for document & liveness verification, sanction / watchlist / PEP-list checks, adverse media tracking and real-time transaction monitoring & flagging, all of which are 100% automated by Arf Compliance API ready to use with just a few lines of code.
Outsource your entire compliance needs to our technology, our expert team and globally trusted partners.
Unlike other payment solutions Arf acts as a strategic partner to your business. Our expert team will be with you every step of the way from signing up to our network to best practice integration of our APIs.
If you are a business dealing with international payments, mass payouts or cross-border remittances you can immediately become a partner of Arf’s network with a few lines of code to unlock next generation opportunities for your business.
Arf Labs OÜ | Company No: 14715754 | Address: Harju maakond, Tallinn, Lasnamäe linnaosa, Lasnamäe tn 4b-26, 11412, Estonia
