Huma Finance’s PayFi Stack: Redefining the Future of Financial Infrastructure

Huma Finance is revolutionizing blockchain-based payment financing through its innovative PayFi Stack, offering a faster, more cost-efficient, and globally accessible alternative to outdated traditional finance systems.

The PayFi Stack, developed by @Huma Finance 🟣 , is built on six integrated layers:

Transaction Layer: Utilizes high-speed blockchains like Solana for rapid settlements.

Currency Layer: Ensures price stability with stablecoins such as USDC.

Custody Layer: Provides secure asset storage through trusted partners like Fireblocks.

Compliance Layer: Uses tools like Chainalysis to meet regulatory and KYC/AML standards.

Financing Layer: Enables tokenization of receivables, offering immediate access to liquidity.

Application Layer: Delivers accessible interfaces for functions like international payments and trade financing.

Modelled after the OSI networking framework, this structured approach streamlines the development of financial applications in Web3. Since its launch in July 2024—supported by Solana and Circle—the PayFi Stack has processed over $3.8 billion in transactions worldwide.

At the core of the ecosystem is the $HUMA token, with a total supply of 10 billion. Token holders can stake $HUMA to earn a 10.5% annual yield and actively participate in protocol governance.

By addressing inefficiencies such as multi-day settlement delays and international transfer fees reaching 6.35%, Huma’s PayFi Stack unlocks up to $4 trillion in prepaid account liquidity. Looking ahead, Huma Finance plans to expand its infrastructure to additional blockchains and support a projected $10 trillion market.

With $HUMA at its core, Huma Finance is laying the foundation for a new era in global payment financing.