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Huma defines itself as the first PayFi network — a system that connects global financial institutions with instant on-chain liquidity for 24/7 payment settlement. The core idea: Instead of waiting for traditional settlements between banks or card networks, institutions can use on-chain liquidity (like stablecoins) to settle transactions instantly, and then perform off-chain settlement later under protocol supervision. This reduces settlement time and lowers liquidity risk and reliance on traditional banking schedules.
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