Huma Finance is the world's first PayFi (Payment Finance) network, with its core advantage in reconstructing traditional payment and financing systems using blockchain technology, specifically reflected in the following aspects:
⚡ Instant Payment Settlement
Based on high-speed blockchains like Solana and Stellar, achieving real-time cross-border payment settlement 24/7, reducing the traditional 3-5 day process to seconds, significantly lowering transaction fees.
💡 Innovative Financing Model
Pioneering 'income-based financing', where users do not need traditional collateral, and can obtain on-chain credit (such as USDC loans) based on real assets (RWA) like salary and accounts receivable, addressing liquidity pain points for small and medium-sized enterprises.
🔐 Zero Default Risk Control System
Through on-chain credit assessment and automated signal models, processing over $4.5 billion in transactions and creating $2.3 billion in credit funds, maintaining a zero-default record to date.
🌐 Ecological Expansion Capability
A layered architecture (transaction/currency/financing/compliance layers, etc.) supports multi-scenario applications such as cross-border payments, stablecoin credit cards, and trade financing, with deep cooperation with institutions like Circle and Galaxy Digital, securing $46 million in financing to strengthen its layout.
👉 Huma Finance's official Twitter: https://x.com/humafinance
👉 Huma Finance's official website: https://huma.finance/
