Arf - Send Money Abroad app for iPhone and iPad

Arf lets you easily send money to your loved ones. Arf is free up to $350 USD per month and the money transfer occurs within seconds.

1) Connect your crypto exchange account to Arf following in-app instructions.
2) Top up your Arf wallet by sending money to the local IBAN provided by your crypto exchange.
3) Enter the amount and the recipient email address.
4) Money arrives at the recipients crypto exchange IBAN within seconds.
5) Recipient makes a local bank transfer to their local bank account.

We support United Nations Sustainable Development Goals to expand access to financial services for all and work closely with United Nations Development Program, Binance and Huobi to increase financial inclusion in developing countries.

LEGAL
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Arf is licenced by the Ministry of Economy and Communications of Estonia for "Providing a Virtual Currency Wallet Service" and for "Providing Services of Exchanging a Virtual Currency against a Fiat Currency" You can check out these licenses on our website at www.arf.one


SECURE TECHNOLOGY
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Arf uses its proprietary multi-protocol technology that works
in nearly every country by only using email addresses.

Arf’s technical whitepaper explaining its proprietary technology got accepted to the 3rd International Workshop on Cryptocurrencies and Blockchain Technology - CBT’19. This workshop is a part of ESORICS, one of the most prestigious security conferences in the world.


NO HIDDEN FEES
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We always show you the prices upfront if there is any. No hidden fees. No bad exchange rates. No surprises.


REAL, FAIR EXCHANGE RATES
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Arf uses mid-market foreign exchange rate which is considered the fairest exchange rate possible.

It’s the rate you will find on independent sources such as Google, XE and Yahoo Finance.

Doesnt everyone use this rate?
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Banks and money transfer providers do use this rate, usually when they trade between themselves. Unfortunately, its not the rate they pass onto you. Its one of the ways they can hide the true amount theyre charging.


Here are the tricks to look out for when converting your money:

Misleading pricing - Youll see an offer for a 0% fee, zero commission or our best rates’*.

A set day rate - Most providers take the mid-market rate, and apply a margin on top, without being transparent. So you have no idea how much theyre over charging you by.

An unfair deal on your currency - By hiding the real charge in the exchange rate offered, most providers make huge profits at your expense, and youre none the wiser.

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You can always contact us here:
https://www.arf.one/contact-us

Our Terms of Service:
https://www.arf.one/terms-of-service

Our Privacy Policy:
https://www.arf.one/privacy-policy