Huma, Arf, and Geoswift Revolutionize Asian Merchant Payments with Lightning-Fast Same-Day Settlements

Asia's payment landscape just got a turbocharge. Fintech trio Huma, Arf, and Geoswift are cutting settlement times from days to hours—because apparently, 2025 still wasn't fast enough for impatient capital.

No more waiting while banks play middleman. Their solution bypasses traditional rails, giving merchants instant access to funds. Because why should liquidity be held hostage by legacy systems?

Here's the kicker: This isn't some theoretical upgrade. It's live—and already shifting how businesses manage cash flow across the region. Finally, a financial innovation that doesn't just benefit VCs.

Of course, the old guard will call it reckless. But when has moving money at the speed of business ever been a bad thing? (Unless you're a bank collecting float revenue, that is.)

PayFi bypasses banking limitations

Huma Finance runs the PayFi network, which coordinates payouts, provides stablecoin liquidity, and embeds AML/KYC checks for compliance. Arf provides settlement rails that bridge stablecoin liquidity with local fiat currencies.

Geoswift receives the payout triggers and funds merchant accounts as soon as the instructions are received. This enables the network to offer payments in hours rather than days.

“Our merchants asked for faster settlements,” said Raymond Qu, Founder & CEO of Geoswift and Co-Founder of PolyFlow. “We delivered and set a whole new benchmark for PSPs serving global marketplaces.”

Cross-border payments have long been one of the key use cases for crypto and stablecoins. Still, the system has a long way to go. According to McKinsey, stablecoin circulation accounts for $30 billion in daily transactions, which is less than 1% of all money flows.