Huma Finance is the pioneer PayFi protocol—a blockchain-based platform enabling real-world receivables (like invoices, payroll, remittances) as collateral to provide liquidity and instant payment settlement using stablecoins .
Core Features:
24/7 instant settlements with stablecoins
Dual interface: Huma Institutional (permissioned pools with KYC/KYB) and Huma 2.0 (permissionless retail access on Solana)
Ecosystem-backed by Solana, Stellar, Circle, Galaxy Digital, Distributed Global, and others
Vast volume processed: $3.8–4.5 billion in payments originated; $2.3 billion in credit extended
