Ripple Partners With Arf to Bring RLUSD Liquidity to XRPL

Ripple has partnered with Swiss financial institution Arf to bring RLUSD-powered settlement liquidity to the XRP Ledger ($XRP), connecting the blockchain to a payments business handling approximately $10 billion in annual transaction volume, according to CryptoNews.

The partnership focuses on licensed cross-border payment companies that need funds available across different markets while waiting for transfers to settle. Under the arrangement, Arf will provide settlement financing denominated in Ripple's dollar-backed stablecoin, RLUSD, while XRP will cover network transaction fees and applicable reserve requirements.

Short-Term Financing Model

Arf's initial service provides short-term financing, typically repaid within one to five days as transactions settle. The arrangement targets licensed payment institutions including businesses handling remittances, card transactions, and international transfers. Arf co-founder and CEO Ali Erhat Nalbant stated that the firm manages approximately $10 billion in annual settlement volume, with working capital turning over four times monthly.

The initial service operates before XRPL's proposed native lending protocol becomes available. Arf plans to adopt the ledger's native lending infrastructure once the XLS-65 Single Asset Vaults and XLS-66 Lending Protocol amendments receive the validator approval required for mainnet activation.

## Key facts

• Arf handles approximately $10 billion in annual settlement volume with capital turning over four times monthly.
• The arrangement provides short-term financing typically repaid within one to five days.
• RLUSD will support settlement financing while XRP covers network transaction fees and reserve requirements.
• Arf plans to adopt XRPL's native lending infrastructure after XLS-65 and XLS-66 receive validator approval.