Huma turns invoices into liquid funds. For small and medium-sized business owners, the most fatal issue is not the lack of orders, but 'the goods have been sold, but the money has not been collected'—accounts receivable payment terms can ruin a good business. The ecosystem of @Huma Finance 🟣 's #HumaFinance is changing all of this: making your invoice an 'instant withdrawal certificate', while $HUMA makes this process more efficient and lower cost.

A clothing factory receives an order of 1 million, with the customer agreeing to pay in 30 days, but the raw material supplier requires cash on delivery. In the past, they could only rely on high-interest private loans, but now through Huma, they upload contracts and invoices, and the smart contract completes verification in 10 minutes, with 800,000 USDC arriving on the same day, at an interest rate only half of that of bank factoring services. This 'invoice as collateral' model has turned Huma into a 'cash flow steward' for over 20,000 small businesses, revitalizing accounts receivable by over 2 billion dollars.

The hybrid underwriting system behind it is key: off-chain verification of trade authenticity (ensuring invoices are not forged) + on-chain smart contracts for automatic disbursement, preventing fraud while improving efficiency. HUMA plays a dual role: enterprises pledging HUMA can obtain higher discount limits, and using $HUMA for payment fees can enjoy discounts. An electronic parts supplier thus reduced financing costs from 8% to 5%, saving $120,000 in interest annually. @Huma Finance 🟣 proves with technology that financial services for the real economy should not just be a slogan.

#HumaFinance is helping small business owners understand: good businesses should not be dragged down by payment terms. As the network supported by $HUMA processes more and more orders and invoices, crypto finance has finally transformed from a 'speculative tool' into a 'practical helper', and the PayFi ecosystem built by @Huma Finance 🟣 is writing a new chapter.