🔀Cross-Border FX Settlement: Arf Finance

Problem: Traditional foreign exchange (FX) settlements take 2–5 days and involve multiple intermediaries with high compliance overhead.

Xalther Solution:

• Arf Finance uses Xalther to tokenize FX remittance obligations.

• Real-time liquidity is disbursed using programmable stablecoins (e.g., USDC on Stellar/Solana).

• Embedded compliance (KYC/AML) via on-chain identity scoring.

Stack Utilized: Transaction Layer, Currency Layer, Compliance Layer