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Huma Finance: The PayFi Revolutionary Reshaping Global Payments and Credit
As the world’s first PayFi network, Huma Finance (HUMA) integrates blockchain, real-world assets (RWA), and decentralized finance (DeFi) to build an unsecured credit engine centered on the time value of money, injecting efficiency and inclusiveness into the $30 trillion payment market.
I. Breaking the Shackles of Traditional Finance
1. Unsecured Credit: Based on future income streams (salaries, invoices, etc.), smart contracts release 70%-90% liquidity after assessment. For example, small and medium-sized enterprises can quickly convert trade receivables into on-chain financing to solve cash flow problems.
2. Cross-Border Payments: Utilizing the Solana blockchain, settlement time is reduced from 3-5 days to seconds, and transaction fees are decreased from 1%-3% to 0.08%-0.1%. Subsidiary Arf has processed over $4.63 billion in transactions with zero defaults.
3. Revenue Model: 80% of funds are used for payment transaction financing (annualized 15%-25%), and 20% is allocated to the Solana ecosystem (annualized over 10.5%), relying on high-frequency turnover and compounding effects, differentiating from token incentive models.
II. Technological and Ecological Innovation
A closed loop formed based on a six-layer modular stack, with the core including: achieving deposit tokenization liquidity through $PST; providing a classic model of base yield + points and an extreme model of point acceleration; 50% of transaction fees are used to buy back and burn HUMA tokens (total supply of 10 billion), ensuring scarcity.
III. Industry Impact
Secured $46 million in financing, collaborated with Solana and Circle to integrate the $16 trillion credit card payment and $10 trillion trade financing markets, aiming to exceed $10 billion in transactions by 2025 and become a benchmark for Web3 financial infrastructure.
#HumaFinance @Huma Finance 🟣
As the world’s first PayFi network, Huma Finance (HUMA) integrates blockchain, real-world assets (RWA), and decentralized finance (DeFi) to build an unsecured credit engine centered on the time value of money, injecting efficiency and inclusiveness into the $30 trillion payment market.
I. Breaking the Shackles of Traditional Finance
1. Unsecured Credit: Based on future income streams (salaries, invoices, etc.), smart contracts release 70%-90% liquidity after assessment. For example, small and medium-sized enterprises can quickly convert trade receivables into on-chain financing to solve cash flow problems.
2. Cross-Border Payments: Utilizing the Solana blockchain, settlement time is reduced from 3-5 days to seconds, and transaction fees are decreased from 1%-3% to 0.08%-0.1%. Subsidiary Arf has processed over $4.63 billion in transactions with zero defaults.
3. Revenue Model: 80% of funds are used for payment transaction financing (annualized 15%-25%), and 20% is allocated to the Solana ecosystem (annualized over 10.5%), relying on high-frequency turnover and compounding effects, differentiating from token incentive models.
II. Technological and Ecological Innovation
A closed loop formed based on a six-layer modular stack, with the core including: achieving deposit tokenization liquidity through $PST; providing a classic model of base yield + points and an extreme model of point acceleration; 50% of transaction fees are used to buy back and burn HUMA tokens (total supply of 10 billion), ensuring scarcity.
III. Industry Impact
Secured $46 million in financing, collaborated with Solana and Circle to integrate the $16 trillion credit card payment and $10 trillion trade financing markets, aiming to exceed $10 billion in transactions by 2025 and become a benchmark for Web3 financial infrastructure.
#HumaFinance @Huma Finance 🟣
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
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