PayFi emerges as the new financial layer for global payments at Davos 2026

At Web3 Hub Davos 2026, during the World Economic Forum, leaders from Arf, LuLu Financial Holdings, and the Stellar Development Foundation came together to discuss a shift underway in global payments. Moving beyond pilots and proofs of concept, the panel explored how programmable liquidity, embedded compliance, and on-chain settlement are now operating inside live payment networks through PayFi—a finance and execution layer co-developed by Arf and its partners, already powering real cross-border payment flows.