Huma Finance is a decentralized protocol, often described as the first PayFi network, that aims to revolutionize global payments by connecting real-world financial activity with decentralized finance (DeFi). It focuses on enabling instant liquidity for financial institutions to settle payments, particularly in cross-border transactions, using stablecoins and on-chain liquidity. The platform facilitates lending and borrowing using income and receivables as collateral, effectively linking traditional finance with DeFi. 

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