Recently, a friend in foreign trade recommended @Huma Finance 🟣 to me, saying it can solve the big trouble of cross-border payments. As a freelance designer who often deals with overseas clients, I decided to give it a try myself.
The first time I used it, I was really a bit confused, as it involves blockchain and all, which sounds very high-tech. But in practice, I found it much simpler than I expected! Last week, I transferred the final design payment to an American client. Previously, using PayPal, I had to pay a 4% fee and wait for 3 days. This time, using Huma, the money arrived instantly, and the fee was only 1.5%, saving me nearly 200 yuan!
What surprised me the most was the advance payment feature. Last month, I took on a big project, and the client wouldn't pay until 60 days later, and I was worried about not having money to buy a new computer. Using Huma, I was able to collateralize this future income and received 70% of the advance payment the same day, with interest cheaper than credit card installments by more than half. However, I advise beginners not to be greedy; I only tried 5000 yuan for the first transaction and waited to confirm its reliability before increasing the amount.
Now, after using it for two months, my biggest feeling is that cash flow is much more flexible. I no longer have to delay taking on new projects while waiting for client payments, and all transaction records are verifiable on the blockchain, making it particularly transparent.
