Arf reported that it has scaled to roughly $10 billion in annual global settlement volume since launching in November 2022, with capital turning over approximately four times a month. That velocity matters commercially: short-duration, high-turnover liquidity looks very different on a balance sheet and in a regulatory capital calculation than a traditional revolving credit line, which can take months to establish and typically demands collateral pledged in a single jurisdiction. For payment companies whose working capital needs to move across markets in step with payment flows, that mismatch is the core operational constraint the partnership is designed to address.

In the first phase, Arf will provide RLUSD liquidity directly on XRPL. Drawdowns are expected to be repaid within one to five business days as cross-border payments settle, allowing the same pool of capital to be recycled repeatedly against live payment flows. Arf retains underwriting and working capital decisions offchain, while XRPL provides the settlement rail.

A second phase is contingent on XRPL’s native lending infrastructure becoming operational. Once available, Arf says it intends to migrate more of its liquidity activity onto the protocol itself, enabling onchain capital management alongside its existing regulated treasury functions. No timeline for that infrastructure milestone was disclosed in the announcement.

Ali Erhat Nalbant , co-founder and chief executive of Arf, said the company is “meeting that need at scale, with $10 billion in annual settlement volume and capital turning over four times a month,” adding that the Ripple partnership is designed to help payment companies “bridge that gap and support more payment volume.”

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