San Francisco, CA – August 14, 2025, 6 PM PDT / August 15, 9 AM SGT – Huma Finance, the first PayFi network, in partnership with Arf, Geoswift, and PolyFlow, announced a breakthrough settlement solution that delivers same-day payouts to merchants on leading e-commerce platforms. Built on Huma’s PayFi network, the solution provides sellers in Asia with immediate access to funds that previously arrived at least a full business day later.
“Global e-commerce runs 24/7, but traditional banking rails don’t. PayFi closes that gap—turning settlement delays into real-time cash flow for merchants everywhere.”
— Richard Liu, Co-Founder, Huma FinanceBecause payouts are often initiated after local banking hours, sellers in Asia frequently see settlement pushed to the next business day. Geoswift, a PSP specializing in cross-border payments, sought a scalable solution that meets strict regulatory standards while achieving near-instant settlement.
With this launch, Geoswift can fund merchant accounts as soon as e-commerce platforms initiate the payout — leveraging PolyFlow’s supplier financing platform, Arf’s compliant global settlement infrastructure, and Huma’s liquidity infrastructure.
The entire flow is orchestrated on the PayFi Network — automating disbursements, enforcing AML/KYC, and providing real-time transparency. Marketplace sellers now receive funds within hours, not days. The flow satisfies regulatory requirements across jurisdictions and is built to support millions of merchants and additional marketplaces.
“Our merchants asked for faster settlements. We delivered and set a whole new benchmark for PSPs serving global marketplaces.”
— Raymond Qu, Founder & CEO, Geoswift; Co-Founder, PolyFlowThis partnership demonstrates the power of PayFi to modernize global payments and commerce. By combining Arf’s compliant settlement capabilities with Huma’s scalable liquidity infrastructure, the Geoswift integration showcases a model where programmable liquidity unlocks real-world speed, scale, and efficiency.
Marketplace sellers no longer wait for banking hours. They settle globally and instantly.
About Huma Finance
Huma Finance is the first PayFi network, accelerating global payments with instant access to stablecoin liquidity. Processing over $5B in transactions, Huma is transforming how money moves globally.
About Arf
Arf provides compliant, receivables-backed liquidity and global settlement services bridging TradFi and Web3.
About Geoswift
Geoswift is a global payment technology company specializing in APAC cross-border payments, licensed in the US, UK, and China.
About PolyFlow
PolyFlow provides payment infrastructure focused on decentralized identification, payments processing, and supply chain financing.
Media contacts
Andrew Wickerson — Email: andrew@yapglobal.com, Telegram: @andywick10