Traditional loans require collateral such as property and savings, but Huma allows you to use future salaries, the remaining payments of business orders, or even expected income from overseas family remittances as guarantees to borrow money. For example: Freelancers can advance living expenses using next month's payslip without waiting for payday.
Huma Finance (@Huma Finance 🟣 ) has pioneered the "PayFi" (Payment Finance) track, aiming to make payments and financing instantaneous like scanning a QR code. Its core logic is to tokenize real-world assets (RWA) such as accounts receivable of businesses and collateralize them on-chain to instantly access liquidity of up to 70-90% from a stablecoin pool. This is no longer a speculative DeFi game but a stable cash flow supported by real business activities.
With the release of Huma 2.0, this transformation is no longer limited to enterprises. It upgrades the platform to a permissionless, composable Real Yield protocol, completely opening the door to ordinary users. This means that the stable income generated from transaction fees, which was previously only accessible to institutions, is now available for you and me to participate in.
Huma offers two yield models:
1. "Classic Model": Pursuing stability, providing about 10.5% annual yield in USDC;
2. "Maxi Model": Pursuing aggressiveness, giving up stablecoin interest to fully earn up to 25 times the platform's Feathers rewards.
Additionally, interestingly, its LP tokens can seamlessly integrate with DeFi protocols of the Solana ecosystem (such as Jupiter, Kamino) to create more flexible leverage and yield strategies.
In summary, the charm of Huma Finance lies in its genuine connection between on-chain technology and the off-chain real economy. It does not rely on the fluctuations of bull and bear markets but captures value from real business settlements, providing a sustainable and highly transparent source of income for all participants. This is a model for the implementation of Web3 applications and a reason why the PayFi track deserves our continued attention.
