Huma Finance Building PayFi for Real-World DeFi
Huma Finance is changing decentralized finance with its PayFi network. This system links real-world payments to blockchain lending and credit.
Instead of needing lots of crypto as collateral, Huma lets people borrow based on income like salaries and invoices. It looks at future earnings and gives quick access to funds through smart contracts.
The key idea is using expected income, not just current crypto, to decide loans. Borrowers can unlock 70–90% of their future money, making borrowing easier and fairer.
Huma created the PayFi Stack six layers that work together:
Fast, cheap blockchains for payments
Stablecoins and tokens for steady money
Safe asset management with smart tech
On-chain ID and checks following rules
Tokenized assets and tools to manage risk
Developer tools for building finance apps
While old finance struggles, Huma is making a system where money moves freely and openly for everyone.
