🚀 Huma Finance Enables Real-Time Payment Settlements, Exceeding 4.9 Billion Dollars in Transaction Volume
Thousands of billions of dollars circulate every day around the world, but it still takes a long time for this money to reach its destination. On average, card sales take 3 days to be credited to merchants' accounts, over a month for trade payments to clear after customs, and up to 5 days for international transfers to reach their beneficiaries.
Despite technological advancements enabling real-time processing in many sectors, traditional finance remains rooted in the past regarding time management. This is the barrier that Huma Finance (HUMA) seeks to eliminate with its PayFi solution, which revolutionizes financial settlements.
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### 🏦 Transforming the Financial Settlement Paradigm with PayFi
Huma Finance has developed the PayFi concept, a fusion of Payment and Finance. This model allows for simultaneous settlement at the time of the transaction, with fees redistributed in real-time to investors (LPs).
The mechanism is simple:
1️⃣ Payment companies or institutions borrow stablecoins (**USDC**) from Huma Finance's liquidity pool to make payments.
2️⃣ Fees collected from clients are returned to the Huma Finance protocol.
3️⃣ These fees are automatically distributed to users who have deposited funds in the pool.
Thanks to this structure, settlements become instant (**T+0**) for transfers and payments, unlike traditional bank delays (**T+3 to T+30**).
What sets Huma Finance apart?
✔ LP revenues come from real fees, not token inflation.
✔ Ultra-efficient liquidity, allowing for rapid capital turnover.
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### 📈 Remarkable Growth: 4.9 Billion Dollars in Transaction Volume
According to Dune Analytics (June 2025):
• Total cumulative volume: 4.9 billion dollars (including 2.5 billion in new loans and 2.4 billion repaid).
• Active liquidity (TAL): 99.58 million dollars, with an average turnover of 4.4 times per month (or 50 times per year).
• Number of depositing wallets: 64,456, with an average APY of 12.36%.
• Withdrawal time: 3 to 5 minutes (vs. days in banking).
This system processes 5 billion dollars with less than 100 million in capital, proving its structural efficiency.
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### 💼 Real Use Cases: Growing Adoption
Huma Finance is already used by:
✅ Arf (transfer company): Instant USDC settlements between the U.S. and Turkey.
✅ Rain (crypto prepaid card): Automatic payments at the time of transaction.
✅ Trade Finance: Tokenized invoices with tranche risk management.
Everything is automated via smart contracts, generating real revenue for LPs.
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### 🔐 Strategies for Investors & Risk Management
Huma Finance offers two tokens:
1️⃣ PST (Classic): Fixed APY ~10.5% + "Feathers" rewards.
2️⃣ mPST (Maxi): No APY but boosted rewards (up to x17.5).
Locking options:
• 3 months = rewards x3
• 6 months = rewards x5
Risk protection:
• First Loss Cover (20% of the pool).
• Multisig Pause: Freezing loans in case of issues.
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### 🚀 VISA Goal: Ambitious Roadmap
Huma Finance aims to reach 500 million dollars in TAL and 30 billion dollars in annual transaction volume by the end of 2026. Real-world usage is rapidly increasing in three main areas: remittances, card payments, and trade financing, with collaborations with physical payment companies such as Stellar and Lulu expanding.
In the long term, Huma Finance aims to build a real-time payment infrastructure with a target of 10 trillion dollars in annual transactions, comparable to the scale of Visa. If this plan is realized, it will fundamentally change the settlement system in traditional finance, and liquidity providers will transition from mere investors to revenue distributors within the global payments ecosystem.
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🔮 Conclusion:
With its innovative model and growing adoption, Huma Finance may be the missing piece for truly instant global payments.
