Huma Finance and Arf, two prominent companies in the financial sector, have announced a merger aimed at transforming global finance, particularly in the areas of cross-border payments and asset tokenization. This merger is expected to significantly impact international payments, a critical service for about one billion people worldwide. Arf has been noted for its liquidity on-demand solutions, having processed over $1 billion in transactions in the last 500 days. The merger, building on an early partnership, is also set to enhance the tokenization of real-world assets, a vertical showing significant growth, which could make these assets more accessible and reduce costs. The combined entity is projected to surpass $3 billion in on-chain liquidity volume this year, accelerating real-world utility on the blockchain.