๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐ ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐ ๐ญ๐ก๐ ๐๐๐ฒ๐ ๐ข ๐๐ง๐๐ซ๐๐ฌ๐ญ๐ซ๐ฎ๐๐ญ๐ฎ๐ซ๐ ๐๐จ๐ซ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข
@Huma Finance ๐ฃ is redefining decentralized finance with its PayFi network a next-generation financial framework that seamlessly connects real-world payments with on-chain lending and credit systems.
Unlike traditional over-collateralized crypto lending, Huma enables borrowing against real income streams including salaries, invoices, and remittances by analyzing future cash flows and delivering instant, smart contract based access to capital.
At the heart of this innovation is Time-Value-of-Money (TVM) logic, which bases lending decisions on projected earnings rather than existing crypto holdings. Borrowers can securely unlock 70โ90% of their future revenue, making credit more accessible, scalable, and inclusive than ever before.
To power this vision, Huma has developed the PayFi Stack a six-layer open framework for the future of global finance:
Transaction Layer โ High-speed, low-cost L1s and L2s enabling rapid, secure settlements.
Currency Layer โ Stablecoins and yield-bearing assets ensuring compliant and stable payments.
Custody Layer โ MPC and smart contractโbased custody for secure asset management.
Compliance Layer โ On-chain identity and verification aligned with global regulations.
Financing Layer โ Tokenized assets and real-time risk tools delivering capital where itโs needed most.
Application Layer โ Developer-ready solutions for building scalable and compliant financial tools.
As legacy finance struggles to adapt to modern needs, Huma Finance is laying the groundwork for a world where payments, credit, and capital flow seamlessly open to everyone, everywhere.
