Why PayFi Matters: Real Use Cases I Tested
Huma’s product pages and docs outline “Arf” (cross-border financing) and “Rain” (card settlement) use cases — I trialed simulated flows for both. The most convincing example was invoice settlement where a merchant received tokenized liquidity instantly and repaid only after settlement—eliminating long receivable windows. The result: less working capital tied up, faster reconciliation, and transparent on-chain proofs for audits. For emerging-market remittances or payroll tokenization, that speed and predictability translate directly into business value. Seeing those workflows in a sandbox convinced me these are viable enterprise features, not just proof-of-concepts.
