Q4 2025: Full Rollout of Acquirer Financing + Onboarding TradFi Institutions
After a successful Q3 pilot, $HUMA Finance will fully roll out its Acquirer Financing infrastructure in Q4 2025, marking its transition from pilot stage to large-scale adoption.
This phase involves onboarding regulated payment institutions, acquirers, and banking partners to integrate directly with Huma’s PayFi stack. These partners—already handling billions in merchant settlement volume—will be able to access decentralized liquidity without changing their settlement models.
Here's how it works:
Payment acquirers process merchant card transactions.
Instead of waiting for settlement from Visa/Mastercard/ACH, they use the receivables as on-chain collateral.
Huma’s protocol issues a stablecoin loan, instantly delivered.
The acquirer repays once card settlement is finalized—creating a short-term credit loop with verified cash inflow.
This setup introduces an entirely new DeFi primitive: receivables-based institutional lending, fully automated, under-collateralized, and auditable.
With compliance baked in—KYC, AML, and credit risk metrics on-chain—this opens the door to institutions and fintechs that have traditionally been excluded from DeFi due to opacity or technical limitations.
In Q4, we expect to see the first integrations with real-world finance partners, using Huma’s infrastructure to:
Enhance merchant liquidity
Reduce working capital friction
Provide LPs with stable, short-duration returns
This rollout positions Huma Finance as the credit infrastructure layer between TradFi payment systems and DeFi capital markets.
