How Huma Finance is Powering the Future of Payment Financing with PayFi Stack

@Huma Finance 🟣 PayFi Stack is a six-layer framework built to transform global payment financing through blockchain, solving the delays and high fees of traditional systems.

At its core, the transaction layer leverages Solana’s 400-millisecond block time for ultra-fast, low-cost transactions. The currency layer supports stablecoins like USDC and PYUSD to minimize volatility, while the custody layer uses MPC technology to safeguard assets. Compliance is handled through KYC/AML tools such as Elliptic in the compliance layer. The financing layer tokenizes receivables to provide real-time liquidity, and the application layer enables platforms like Arf to deliver seamless cross-border payments. Inspired by the OSI model, this modular design promotes open, collaborative development.

The ecosystem is powered by $HUMA (10B total supply), the token that drives governance. Holders stake $HUMA to vote on upgrades and earn a 10.5% APY. In 2024, Huma processed $3.8B in transactions, and in May 2025, $HUMA will be distributed via Binance Launchpool, already attracting over 53,000 wallets.

Huma Finance is partnering with Stellar and Galaxy Digital, with plans to enter DePiN financing and reach 100M users. By combining transparency with decentralization, PayFi Stack is positioned to tap into the $16T payment market, making #HumaFinance and HUMA key players in the evolution of Web3 finance.