#HumaFinance
Problems HUMA Crypto Solves
1. Slow Settlement Infrastructure
Traditional payment systems take days or even weeks to settle transactions. While information travels instantly, money crawls through SWIFT and correspondence banking networks that operate on decades-old technology. Merchants wait 2-5 days for payment confirmation, creating cash flow uncertainty and operational inefficiencies.
2. Unfair Yield Distribution
Banks collect deposits from millions of customers, deploy that capital to earn substantial yields, yet return virtually nothing to depositors. The profits flow to shareholders and executives while those who provide the capital receive near-zero interest rates. This extraction model concentrates wealth rather than distributing it fairly.
3. Crippling Payment Terms
Suppliers worldwide suffer under 60-90 day payment terms imposed by larger buyers. This forces small businesses to seek expensive financing just to maintain operations, while large corporations benefit from holding onto cash longer. The system systematically disadvantages smaller participants.
4. Excessive Remittance Costs
Migrant workers sending money home lose 5-10% to fees and unfavorable exchange rates. For a construction worker sending $500 monthly to family, this means $300-600 lost annually to financial intermediaries – money that could otherwise support education, healthcare, or basic needs.
