Continuing to introduce the promising project Huma Finance @humafinance, today we present its future vision and roadmap.
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1. Global expansion of the PayFi ecosystem.
Huma is actively promoting the PayFi (Payment Finance) ecosystem, collaborating with global payment institutions, card networks, B2B platforms, and supply chain financial service providers to accelerate traditional payments from T+3/4 to instant settlement.
The goal is to cover multiple real scenarios such as cross-border remittances, commercial payments, and credit card financing, forming network effects and promoting global growth.
2. Multi-chain fusion and deep DeFi composability.
Building the core PayFi framework based on Solana while expanding to high-throughput chains like Ethereum and Polygon to achieve cross-chain liquidity and protocol interoperability.
In the future, through integration with DeFi platforms (such as Aave, Pendle, Kamino), achieve a high degree of fusion between PayFi and DeFi.
3. Roadmap highlights (2025 Q3 → 2026)
2025 Q3: Launch ve-HUMA (vote-escrowed governance) and auto-compounding PST (yield-bearing) vaults.
2025 Q4: Release Mobile PayFi SDK (for merchant integration) and initiate multi-chain LP routing optimization.
2026: Allow merchants to open permissionless pools, launch cross-chain Feathers marketplace, and initiate DAO treasury funding programs.
4. The role and value mechanism of $HUMA.
$HUMA is the governance and incentive token of the protocol, which can be used for voting governance, enhancing LP rewards, access to most advanced features, and future real-time exchange capabilities.
When the protocol charges fees from borrowers, 50% will be used to buy and burn $HUMA, thereby creating a deflationary effect and supporting the long-term value of the token.
5. Education, community, and financial infrastructure development.
Huma @humafinance is collaborating with the Solana Foundation to host a global PayFi summit. Starting in 2024, multiple industry conferences have been held at Token2049, Consensus Hong Kong, and Accelerate NYC.
In the future, there will be a strong focus on building governance communities (DAOs), advancing more grants and funding mechanisms to support ecosystem developers and partners.
6. Long-term vision
Striving to become the core pillar of global decentralized payment and credit infrastructure, creating a financial world centered around human potential and cash flow value, representing a future where 'human potential is directly empowered and monetized.'
The goal is to achieve cross-border payments from T+3/4 to T+1, ultimately to T+0 (same-day settlement) over the next decade, significantly enhancing the capital efficiency and practicality of international business.
Summary: The U.S. government is paving the way for RWA regulation and infrastructure, strongly supporting digital assets, tokenized securities, and payment innovations. In this context, Huma Finance's PayFi multi-chain ecosystem, Payment-Finance strategy, and ve-HUMA governance token mechanism will rapidly integrate into the mainstream financial system, assisting in achieving global instant settlement and RWA composability. Huma is simultaneously promoting the liquidity of real assets and Web3 payment infrastructure, and once compliance is in place, it will become a revolutionary bridge between RWA and DeFi.
