#humafinance :

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.