[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]

![TimHaldorsson Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::3078211361.png) Tim Haldorsson [@TimHaldorsson](/creator/twitter/TimHaldorsson) on x 26.3K followers
Created: 2025-07-25 14:07:01 UTC

Circle Case Study: ARF by Huma Finance

Right now we are in the stablecoin season, on @circle blog they outline a case study for ARF which has merged with @humafinance and how they use @USDC 

Basically "Cross-border payment companies must prefund accounts in destination countries to enable same-day settlements for their clients."

In this case, they take out a credit in USDC on the Huma Finance platform to get access to capital that they can use as the collateral for these cross-boarder transfers. 

Then we talk about "capital efficiency" of the loans, in this case they have 50x annually capital turnover, meaning that they use the capital extremely efficiently.

![](https://pbs.twimg.com/amplify_video_thumb/1947931810228281344/img/h3UojgeKSMRtu1QC.jpg)

XXXXX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1948746814628209010/c:line.svg)

**Related Topics**
[countries](/topic/countries)
[finance](/topic/finance)
[huma](/topic/huma)
[coins stablecoin](/topic/coins-stablecoin)
[usdc](/topic/usdc)
[coins made in usa](/topic/coins-made-in-usa)
[coins bsc](/topic/coins-bsc)
[coins solana ecosystem](/topic/coins-solana-ecosystem)

[Post Link](https://x.com/TimHaldorsson/status/1948746814628209010)