๐๐๐บ๐ฎ ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ: ๐ฃ๐ผ๐๐ฒ๐ฟ๐ถ๐ป๐ด ๐๐ต๐ฒ ๐๐๐๐๐ฟ๐ฒ ๐ผ๐ณ ๐ฅ๐ฒ๐ฎ๐น-๐ช๐ผ๐ฟ๐น๐ฑ ๐๐ฒ๐๐ถ ๐๐ถ๐๐ต ๐ฃ๐ฎ๐๐๐ถ ๐๐ป๐ณ๐ฟ๐ฎ๐๐๐ฟ๐๐ฐ๐๐๐ฟ๐ฒ
@Huma Finance ๐ฃ is leading the next evolution of decentralized finance through its groundbreaking PayFi networkโa financial paradigm designed to bridge the gap between real-world payments and on-chain financing. Instead of relying on over-collateralized crypto lending, #HumaFinance enables users to borrow against real income streamsโlike salaries, invoices, and remittancesโby analyzing future cash flow and providing instant, smart contract-based access to capital.
At the core of this model is the Time-Value-of-Money (TVM) logic, which powers lending decisions based on expected income, not crypto assets. Borrowers can unlock up to 70โ90% liquidity of their future revenue securely and transparently. This is real-world DeFi in actionโaccessible, scalable, and inclusive.
To make this possible, Huma has introduced the PayFi Stack, a six-layer open framework that underpins this new financial infrastructure:
Transaction Layer: Utilizes high-speed, low-cost L1s and L2s to power fast, secure transactions.
Currency Layer: Supports stablecoins and yield-bearing currencies for seamless, compliant, and stable payments.
Custody Layer: Leverages MPC and smart contract-based custody for secure asset management and instant settlements.
Compliance Layer: Integrates global regulatory standards via on-chain identity and verification.
Financing Layer: Brings capital to where it's needed using tokenized assets and real-time risk management.
Application Layer: Enables developers to build scalable, intuitive, and compliant financial tools and interfaces.
As traditional finance struggles to keep up, #HumaFinance is laying the foundation for a future where payments and credit systems work in syncโaccessible to everyone, everywhere.