đ„How $HUMA Enables Real World Lending Without Crypto Collateralđ„đ
Unlike Aave or Maker, Huma supports under collateralized lending against future income, including invoices, payroll, supplier payment streams assets not typically securitized on chain.
The PayFi stack has six modular layers:
1. Settlement Solana + Stellar.
2. Currency Stablecoins.
3. Custody MPC & smart contracts.
4. Compliance KYC/KYB.
5. Financing Tokenized real-world receivables.
6. Applications APIs & tooling.
Liquidity providers deposit stablecoins to pools, earn yield via protocol fees and token incentives, while businesses gain access to infrastructure-grade liquidity.
All $HUMA burns and governance participation reinforce system alignment and contribute to ecosystem resilience.
