Q3 2025: Card Acquirer Financing Pilot – Real-Time Credit Meets On-Chain Liquidity
$HUMA Finance is preparing to launch its Card Acquirer Financing pilot in Q3 2025, a critical milestone in its mission to bridge real-world payment flows with decentralized finance.
This pilot will allow merchant acquirers—companies that process card payments on behalf of businesses—to gain immediate access to capital through tokenized receivables. Instead of waiting for days or weeks for settlement from card networks, merchants will be able to receive T+0 payouts, powered by DeFi liquidity providers who lend against those receivables on-chain.
This model introduces a groundbreaking use case for DeFi: using verifiable, short-duration, recurring payment data (from POS systems and settlement flows) as collateral for decentralized credit issuance. This isn’t theoretical finance—it’s real cash flow, real collateral, real borrowers.
Huma's architecture ensures that these receivables are tokenized in a secure and transparent manner, with robust on-chain underwriting logic determining how much capital can be issued per merchant, per invoice, per settlement.
This pilot will serve as a foundational proof-of-concept—demonstrating that payment processors and card acquirers can plug directly into on-chain liquidity without changing their operational stack.
The result? A programmable bridge between the traditional world of card payments and the programmable world of DeFi, giving stablecoin LPs access to low-risk, real-world yield while solving a major liquidity bottleneck for merchants.
In short, Huma Finance is bringing real-time credit to the infrastructure layer of global commerce—and it starts in Q3.
