#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.