How Does Arf Work?



1)    Download the app and register for free

2)    Choose an amount to send and see all the fees upfront

3)    Verify your identity

4)    Fund your Arf account with a local bank transfer

5)    Send money to anyone abroad using their email address

As featured in

Secure Technology


Arf uses its proprietary multi-protocol technology that works
in nearly every country 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/

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