Arf partners with Ripple to bring RLUSD settlement liquidity to the XRP Ledger

Arf, a Swiss-regulated provider of short-term working capital, has struck a strategic partnership with Ripple. The goal is to supply settlement liquidity on the XRP Ledger to licensed cross-border payment companies. The partnership was announced on October 22, 2026. It runs on RLUSD, Ripple’s stablecoin. The pitch is simple: payment firms get fast, short-lived capital without parking cash in destination accounts ahead of time. What Arf and Ripple are actually building Arf’s business is filling the pre-funding gap. It lends to licensed payment firms for very short windows, typically 1 to 5 days, so they can complete settlements without pre-funding the receiving end. Under the Ripple deal, that capital will be delivered in RLUSD directly on the XRP Ledger, often shortened to XRPL. The payment firm borrows stablecoin liquidity, settles the transaction, and repays once its own funds land. The rollout comes in phases. The first phase covers direct RLUSD liquidity provision on XRPL. Later phases are planned to plug into XRPL’s native lending features once those are fully operational. The numbers behind Arf Arf reports processing approximately $10 billion in annual settlement volume. Its ...