$HUMA Finance is transforming blockchain payment financing with its PayFi Stack, designed to replace traditional finance’s slow and costly systems with a fast, programmable, and borderless solution.
The PayFi Stack from @Huma Finance 🟣 consists of six layers:
The transaction layer uses high-speed blockchains like Solana for near-instant settlements.
The currency layer maintains price stability through stablecoins such as USDC.
The custody layer ensures secure asset management with partners like Fireblocks.
The compliance layer incorporates tools like Chainalysis to meet regulatory requirements.
The financing layer enables tokenization of accounts receivable for instant liquidity.
The application layer provides user-friendly interfaces for cross-border payments, trade financing, and more.
Inspired by the OSI model, this framework standardizes Web3 financial development. Launched in July 2024 in collaboration with Solana and Circle, the PayFi Stack has processed over $3.8 billion in transactions globally. The $HUMA token (10 billion total supply) powers governance, letting holders stake $HUMA to participate in protocol decisions and earn a 10.5% annual yield.
By tackling traditional finance issues like slow 3-5 day cross-border settlements and fees up to 6.35%, the PayFi Stack unlocks $4 trillion in prepaid account liquidity. #HumaFinance plans to scale to additional chains and aims to support a $10 trillion market. #HumaFinance $HUMA is the foundation of this payment financing revolution.
