Ali Erhat Nalbant is a global fintech entrepreneur and the cofounder of Arf, a Swiss-regulated financial institution transforming global payments with stablecoin-based liquidity and same-day settlement. Arf enables real-time, compliant cross-border treasury flows for licensed financial institutions across the US, UK, EU, UAE, HK, Singapore, and beyond. Ali is also the co-builder of PayFi, a programmable finance infrastructure for creating and managing tokenized financial instruments. PayFi supports use cases such as receivables-backed credit, real-world asset tokenization, and automated yield distribution—helping financial institutions improve capital efficiency and access to working capital. He brings a blend of regulatory insight, technical knowledge, and practical execution—contributing to the development of the next generation of financial infrastructure.