๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐ ๐๐จ๐ฐ๐๐ซ๐ข๐ง๐ ๐ญ๐ก๐ ๐ ๐ฎ๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข ๐ฐ๐ข๐ญ๐ก ๐๐๐ฒ๐ ๐ข ๐๐ง๐๐ซ๐๐ฌ๐ญ๐ซ๐ฎ๐๐ญ๐ฎ๐ซ๐
@Huma Finance ๐ฃ is leading the next wave of decentralized finance with its groundbreaking PayFi network a financial framework designed to seamlessly connect real-world payments with on-chain financing.
Unlike traditional over-collateralized crypto lending, Huma Finance allows users to borrow against real income streams including salaries, invoices, and remittances by analyzing future cash flows and providing instant, smart contractโbased access to capital.
At the core of this system is the Time-Value-of-Money (TVM) logic, which bases lending decisions on projected income rather than crypto holdings. This enables borrowers to unlock 70โ90% liquidity of their future earnings securely, transparently, and efficiently โ making DeFi more accessible, scalable, and inclusive.
To support this vision, Huma has built the PayFi Stack, a six-layer open framework for next-generation finance:
Transaction Layer: High-speed, low-cost L1 and L2 networks for secure, instant transactions.
Currency Layer: Stablecoins and yield-bearing assets for compliant, stable payments.
Custody Layer: MPC and smart contractโbased solutions for secure asset storage and immediate settlements.
Compliance Layer: On-chain identity verification aligned with global regulations.
Financing Layer: Tokenized assets and real-time risk management to channel capital where itโs needed most.
Application Layer: Developer tools to build scalable, intuitive, and compliant financial applications.
As traditional finance struggles to adapt, Huma Finance is building the foundation for a future where payments and credit systems work together seamlessly โ open to everyone, everywhere.
