### 🌟 Huma Finance: Innovator in the PayFi Sector, How to Reshape Finance with RWA?
**🚀 Core Highlights**
1. **PayFi Pioneer**: Huma Finance has pioneered the "Payment Finance" model, allowing enterprises to **collateralize real assets (such as invoices and accounts receivable) on the blockchain** to instantly obtain USDT/USDC liquidity, addressing the pain point of traditional cross-border payment delays of 3-5 days. Over **$4.5 billion in transactions** have been processed with a zero bad debt rate!
2. **Deflationary Token Economy**:
- Total supply of 10 billion HUMA, with an initial circulation of only 17.33% (approximately 1.73 billion), effectively controlling the market.
- **50% of protocol fees are used for buybacks and burns**, continuously supporting long-term value through deflation.
3. **Real Yield Scenarios**:
- Users can deposit stablecoins and choose between **Classic Mode (10.5% annualized + HUMA rewards)** or **Maxi Mode (5x HUMA rewards)**.
- Yields come from enterprise payment financing costs, **decoupled from crypto cycles**, ensuring strong sustainability.
4. **Ecosystem Integration Power**:
- Issuing liquid staking tokens **$PST**, which can be traded on Solana DEX (such as Jupiter), enabling yield composability.
- Multi-chain deployment (Solana, Stellar, EVM), deeply integrated with traditional financial giants like Visa and Circle.
**⚠️ Risk Warning**
- **Regulatory Challenges**: Different countries have varying policies on stablecoins/DeFi, which may restrict functionality in certain regions.
- **Collateral Asset Volatility**: If enterprise invoices default or stablecoins decouple, it may impact liquidity pools.
**💎 Future Potential**
The roadmap for 2025 shows that Huma will launch real-time card settlement, connect to the global dollar network, and aim for a **$40 billion annual transaction volume** target. With a $30 trillion cross-border payment market, capturing just 0.01% of the market share could lead to significant market cap potential!
> **📌 Summary**: Huma builds a moat with RWA + on-chain credit, a non-bubble yield model and a deflationary token mechanism, potentially becoming a safe haven in a bear market!
#HumaFinance #PayFi #RWA #DeFi #Solana
---
*Data as of July 2025, for details refer to [Huma Official Website](https://www.huma.finance) | Investment should be cautious; this article does not constitute advice*@Huma Finance 🟣 #HumaFinancea
