Huma Finance the Future of Payment Financing with PayFi Power
@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