Huma Finance is the world's first decentralized PayFi (Payment Finance) network that allows for instant international payments 24/7 using stablecoins and on-chain liquidity, significantly reducing delays and costs. The project has processed over $4.5 billion in transactions with zero defaults, currently offering two products - Huma Institutional for institutions and Huma 2.0 for retail - with double-digit APY profitability.