0xBear_
--
Recently, various stablecoin news has been flying around domestically, and JD.com and Ant Group are also gearing up. Ultimately, they are doing this to facilitate cross-border payments and reduce reliance on the US dollar.
Today, let's talk about Huma and how it is reconstructing the $30 trillion cross-border payment market with PayFi.
Traditional cross-border payments rely on the SWIFT system, taking an average of 3-5 days and incurring high costs. However, @Huma Finance 🟣 is compressing this process to T-0 real-time settlement through blockchain technology and creatively combining real-world asset (RWA) tokenization with stablecoin liquidity to build the first decentralized PayFi network.
Huma's modular design is its core competitiveness:
Transaction Layer: Relying on Solana and Stellar to achieve tens of thousands of transactions per second, supporting multi-currency exchanges such as USD and EUR (with an average daily processing volume exceeding $50 million).
Financing Layer: Innovative SPV structure tokenizes corporate receivables, cumulatively processing $67 million in financing with a zero default record, providing compliant deposit channels for institutions.
Compliance Layer: Integrating Chainalysis anti-money laundering solutions to balance regulatory requirements with privacy protection.
About the token $HUMA:
The token is not only a governance tool but also a hub for ecological value distribution. If it captures 1% of the global PayFi market share, the FDV could reach $500 million (with a current premium of 150%+). Leveraging Jupiter's 400,000 monthly active users to accelerate ecological expansion, Huma's true barrier lies in unblocking the closed loop of "RWA asset on-chain - instant settlement - stablecoin export."
This is a perfect combination of a web3 PayFi and RWA cross-border payment product. Huma effectively addresses the challenges of cross-border payments, and if multi-chain expansion proceeds as expected, $HUMA could become the first scalable benchmark case in the RWA track. I will continue to pay attention to #HumaFinance and provide more of this type of insightful analysis.
Today, let's talk about Huma and how it is reconstructing the $30 trillion cross-border payment market with PayFi.
Traditional cross-border payments rely on the SWIFT system, taking an average of 3-5 days and incurring high costs. However, @Huma Finance 🟣 is compressing this process to T-0 real-time settlement through blockchain technology and creatively combining real-world asset (RWA) tokenization with stablecoin liquidity to build the first decentralized PayFi network.
Huma's modular design is its core competitiveness:
Transaction Layer: Relying on Solana and Stellar to achieve tens of thousands of transactions per second, supporting multi-currency exchanges such as USD and EUR (with an average daily processing volume exceeding $50 million).
Financing Layer: Innovative SPV structure tokenizes corporate receivables, cumulatively processing $67 million in financing with a zero default record, providing compliant deposit channels for institutions.
Compliance Layer: Integrating Chainalysis anti-money laundering solutions to balance regulatory requirements with privacy protection.
About the token $HUMA:
The token is not only a governance tool but also a hub for ecological value distribution. If it captures 1% of the global PayFi market share, the FDV could reach $500 million (with a current premium of 150%+). Leveraging Jupiter's 400,000 monthly active users to accelerate ecological expansion, Huma's true barrier lies in unblocking the closed loop of "RWA asset on-chain - instant settlement - stablecoin export."
This is a perfect combination of a web3 PayFi and RWA cross-border payment product. Huma effectively addresses the challenges of cross-border payments, and if multi-chain expansion proceeds as expected, $HUMA could become the first scalable benchmark case in the RWA track. I will continue to pay attention to #HumaFinance and provide more of this type of insightful analysis.
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
134
0