Simple

To send Bitcoin via Arf you don’t need to know the recipient's Bitcoin address and they don’t even need to be an Arf user. Just send some Bitcoin to their email address and we handle the rest.

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Free

You don’t pay any network transaction fees or commissions when you send money within the Arf Payments Network. It’s FREE!

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Instant

Every transaction within the Arf Payments Network occurs instantly. We built a new Layer 2 technology, called Pipeline, that validates all transactions instantly and settles them with Bitcoin network in bulk.

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Secure

Arf uses non-custodial multisig wallets to handle all on-chain and off-chain funds. Your money is yours. So, even if we are hacked your funds are always safe.

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Founder Team

Cumulative Experience & Domain Knowledge of our Founding Team

A total of 20 years of entrepreneurship experience.
Collected $3M from subscriptions over 3 years from 100+ countries, using 5 different payment gateways and processors.
4 year track record of founding, managing and operating profitable global B2C and B2B startups.
2 year track record of consulting various blockchain companies on decentralized exchanges, protocol level scalability solutions and ERC20 based tokenization services.
Innovation and venture building consultancy for multinational companies in 25+ countries in EMEA.
Ongoing PhD in Computer Engineering focusing on blockchain and IoT integration.

BERHAN KONGEL

Product, Execution & Strategy

8-year Entrepreneur
Co-Founded 5 Global Dating Businesses in the last 4 years
Collected $3M over 3 years from Subscriptions from 100+ Countries
Ex-COO of Turkey's 2nd biggest Online Recruitment Platform eleman.net
Managed a 40% annual revenue increase at eleman.net during his tenure as COO by designing and implementing a new customer data/segmentation strategy from scratch
3-year Mentor at Founder Institute
2-year Mentor at Workup by Is Bankasi
Specializes in Unit Economics, Operation, Growth Hacking, Performance Marketing & UX Design

linkedin.com/in/berhankongel/

ALI ERHAT NALBANT

Growth

5-year Entrepreneur
Co-Founded 1 Regional Innovation Platform (WeDecide), 1 Blockchain Fund (IndieWonder), 2 FinTech Apps (Personal Finance Management and Micro-Loan Provider)
Provided innovation and venture building consultancy for multinational companies in 25+ countries in EMEA
Supported a corporate subsidiary from idea to market which generates $2M annually
Acted as Co-Director of Founder Institute Istanbul for 7 years, launched or supported acceleration programs for universities, techno parks and companies.
Used to be a .NET and Java developer with experience in enterprise applications for global companies
Specializes in Strategy, Product and Marketing

linkedin.com/in/alierhat/

KAZIM RIFAT OZYILMAZ

Blockchain

7-year Entrepreneur
Pursuing a PhD in Computer Engineering, focusing on blockchain and IoT integration.
2 year track record of consulting various blockchain companies on decentralized exchanges, protocol level scalability solutions and ERC20 based tokenization services.

PUBLICATIONS ON BLOCKCHAIN (access on linkedin)

Split-Scale: Scaling Bitcoin by Partitioning the UTXO Space Jul'18
IDMoB: IoT Data Marketplace on Blockchain Jun'18
Designing a blockchain-based IoT infrastructure with Ethereum, Swarm and LoRaApr'18
Integrating low-power IoT devices to a blockchain-based infrastructure Oct'17

AHMET OZCAN

Backend & System Design

Senior Android & Backend Developer
Worked with Berhan in all dating businesses
Oversaw all payment gateway integrations
Built all of the Android apps
Ex-Developer for Smart Home Control Systems

linkedin.com/in/sdahmetozcan/

Advisory Board

ALİ KARABEY

Advisory Board Member

ALİ KARABEY

Advisory Board Member

Co-Founder & Partner @ 212 Venture Capital
Investor in Iyzico ($165M Exit to PayU in Jun'19, biggest fintech exit in Turkey)
Advisory Board Member @ Endeavor
Ex-Morgan Stanley, Ex-Deutsche Bank

linkedin.com/in/alikarabey/

Initial Analysis of Facebook Libra Protocol and Currency

Facebook just announced the “Libra Protocol” and...

READ

A Life in Pursuit of Originality and Painstaking Computations

Tribute to Ord. Prof. Dr. Cahit Arf (1910-1997)

READ

The Humble Dreamers

A story about idealism, crisis of purpose, tackling the beast and maybe, just maybe, beating it.

READ

Open Letter to People

A new future is nigh Fair access to everyone will change the world.

READ

Initial Analysis of Facebook Libra Protocol and Currency

Facebook just announced the “Libra Protocol” and...

READ

A Life in Pursuit of Originality and Painstaking Computations

Tribute to Ord. Prof. Dr. Cahit Arf (1910-1997)

READ

The Humble Dreamers

A story about idealism, crisis of purpose, tackling the beast and maybe, just maybe, beating it.

READ

Open Letter to People

A new future is nigh Fair access to everyone will change the world.

READ

Dear People,

It’s 2019 and we witness that despite all the technological advancements over the last couple of decades the current financial system, with all its power, left 1.7 Billion people on earth unbanked and without access to all what mankind’s finest has to offer. We believe profoundly that technology should be about democratization, fair access to all and creating an economy that has room for everyone’s dreams.

Hence, we’ve been envisioning a future for some time now where power has shifted to the people with a dream and aspiration for access to better services wherever they are. It entails a vision in which you are your own bank and have full control of your own destiny.

This future was almost realized by the creation of the Bitcoin network but the execution so far couldn’t live up to the ideation. Therefore, we decided to create a new, better & people-first payments solution on top of the existing Bitcoin network to elevate the execution to the level of Satoshi’s original idea by offering:

Easy Bitcoin Transfers via Email
Instant Payment Confirmation
Zero Network Transaction Fees
Private Keys Remaining Private (Non-Custodial)

While building this new future we promise to put people’s interests first in terms of the design, user experience, cost and the variety of services we will offer.

We hope that you join us and together, we can evenly distribute this future to the world today.

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We make Bitcoin

Simple ● Free ● Instant

Simple

Free

Instant

Secure