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@Huma Finance 🟣 We're excited to announce the launch of Huma 2.0—our next leap forward in making decentralized finance truly accessible. Huma 2.0 introduces a permissionless model that allows anyone to tap into institutional-grade PayFi yields—opportunities that were previously reserved for professional investors. By integrating with leading DeFi protocols on Solana, Huma 2.0 unlocks the full power of PayFi and DeFi combined. Huma 2.0 is now the flagship product of Huma Finance, branded simply as Huma. The existing permissioned service continues under the Huma Institutional brand, providing curated access for institutional partners with tailored requirements. #HumaFinnance

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@Huma Finance 🟣 is the first PayFi network and a pioneer in the rapidly growing PayFi ecosystem. It enables global payment institutions to settle payments 24/7 using stablecoins and on-chain liquidity, bringing speed, transparency, and efficiency to traditionally slow financial infrastructure. Backed by strategic partners, including Solana, Circle, Stellar Development Foundation (SDF), Galaxy Digital, and others, Huma has processed over $3.8 billion in transaction volume and delivered double-digit real-world yield to its LPs. The Huma Protocol is offered in two forms: Huma (Permissionless) – Launched in April 2025, this version is open to all, allowing retail investors to participate in Huma pools and join the broader PayFi movement. Huma Institutional – A permissioned service tailored for institutional investors, offering access to curated, receivables-backed credit opportunities within a regulated framework. We're excited to announce the launch of Huma 2.0—our next leap forward in making decentralized finance truly accessible. Huma 2.0 introduces a permissionless model that allows anyone to tap into institutional-grade PayFi yields—opportunities that were previously reserved for professional investors. By integrating with leading DeFi protocols on Solana, Huma 2.0 unlocks the full power of PayFi and DeFi combined. Huma 2.0 is now the flagship product of Huma Finance, branded simply as Huma. The existing permissioned service continues under the Huma Institutional brand, providing curated access for institutional partners with tailored requirements.

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@Huma Finance 🟣 Arf provides an innovative on-chain liquidity solution that simplifies cross-border payments by facilitating immediate USDC-based settlements and tokenizing payment orders, enhancing transparency in the process. Huma is the first PayFi network and a pioneer in the rapidly growing PayFi ecosystem. It enables global payment institutions to settle payments 24/7 using stablecoins and on-chain liquidity, bringing speed, transparency, and efficiency to traditionally slow financial infrastructure. Backed by strategic partners, including Solana, Circle, Stellar Development Foundation (SDF), Galaxy Digital, and others, Huma has processed over $3.8 billion in transaction volume and delivered double-digit real-world yield to its LPs. The Huma Protocol is offered in two forms: Huma (Permissionless) – Launched in April 2025, this version is open to all, allowing retail investors to participate in Huma pools and join the broader PayFi movement. Huma Institutional – A permissioned service tailored for institutional investors, offering access to curated, receivables-backed credit opportunities within a regulated framework.

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#HumaFinace Over the last 40 years, the OSI model laid the groundwork for consistent, interoperable standards that have allowed for exponential growth in technology. While the OSI model helped govern the Internet of data, we are now stepping into an era defined by the Internet of money. @Huma Finance 🟣 has pioneered an open PayFi Stack, inspired by the OSI model, for the world to use and build upon. Physical Layer: Manages the physical hardware (like cables) that transmits raw data. Data Link Layer: Ensures data transfers between adjacent network nodes. Network Layer: Handles data routing across networks. Transport Layer: Manages reliable data transmission between devices. Session Layer: Establishes and maintains communication sessions. Presentation Layer: Ensures data is presented in a readable format (like encryption/decryption). Application Layer: Here, users interact with applications (like a web browser). Each layer in the OSI model builds on the one below it, ensuring that systems can cooperate without needing to understand the complexities of the entire communication process.

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#HumaFinnance Huma pioneered an open framework for the PayFi Stack, divided into six layers to facilitate payment financing solutions globally. Transaction Layer: High-speed, low-cost blockchains (L1s and L2s) ensure efficiency and security in transactions. Currency Layer: Stablecoins and yield-bearing currencies facilitate seamless, stable, and compliant payments. Custody Layer: Advanced solutions like MPC and smart contract-based custody manage secure asset ownership and real-time settlements. Compliance Layer: Integrates global regulations using on-chain identity to ensure regulatory adherence. Financing Layer: Connects capital with demand through transparent, tokenized assets and risk management on the blockchain. Application Layer: Provides the infrastructure for building intuitive and compliant financial applications using the stack's capabilities. Over the last 40 years, the OSI model laid the groundwork for consistent, interoperable standards that have allowed for exponential growth in technology. While the OSI model helped govern the Internet of data, we are now stepping into an era defined by the Internet of money. Huma has pioneered an open PayFi Stack, inspired by the OSI model, for the world to use and build upon.

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