International Money Transfer

Simple. Cheap. Fast.

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How Does Arf Work?

1)    Signup to the fiat-crypto exchange in your country.

2)    Login to Arf using your exchange account.

3)    Transfer some money from your bank account to your
exchange account.

4)    Send money to a user abroad simply by using their email
address.

New & Secure Technology


Arf uses its proprietary multi-protocol technology
that works with known crypto currencies such as
BTC, XLM, USDT, USDC etc. to relay funds between
exchanges by only using email addresses.



Arf’s technical whitepaper explaining its proprietary technology got accepted to the 3rd International Workshop on Cryptocurrencies and Blockchain Technology - CBT’19. This workshop is a part of ESORICS, one of the most prestigious security conferences in the world.

http://deic.uab.cat/conferences/cbt/cbt2019/

Simple Usage


You don’t need any prior knowledge about crypto currencies since you’re not exposed to them while using Arf. You see your funds in your local currency and send them to your family or friends using their email address.

Fast & Cheap


Arf’s technology guarantees the fastest and cheapest routes between 2 countries. We work with the biggest and most liquid fiat-crypto exchanges in the world for automatic and cheap crypto-fiat conversions.


Arf Labs OÜ | Licenced by the Ministry of Economy and Communications of Estonia for "Providing a Virtual Currency Wallet Service" (see licence) and for "Providing Services of Exchanging a Virtual Currency against a Fiat Currency" (see licence) | Company No: 14715754 | Address: Harju maakond, Tallinn, Lasnamäe linnaosa, Lasnamäe tn 4b-26, 11412, Estonia