The Security Kernel of BNPL Scenarios

The "Buy Now, Pay Later" model faces challenges due to lagging risk control, resulting in a bad debt rate exceeding 8%, which restricts industry development. The PayFi dynamic risk control module retrieves user on-chain assets and payment history in real-time, reducing credit decision-making time from hours to seconds. After integration with a UK e-commerce platform, the bad debt rate dropped to 2.3%, while the approval rate increased by 30%, and user repurchase rate rose by 18%. Promoting responsible consumer finance that is both warm and precise! @Huma Finance 🟣 #HumaFinance $HUMA