๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐: ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐ ๐ญ๐ก๐ ๐ ๐ฎ๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข ๐ฐ๐ข๐ญ๐ก ๐๐๐ฒ๐ ๐ข ๐๐ง๐๐ซ๐๐ฌ๐ญ๐ซ๐ฎ๐๐ญ๐ฎ๐ซ๐
@Huma Finance ๐ฃ is pioneering a new era of decentralized finance through its innovative PayFi network a system designed to merge real-world payments with on-chain lending. Unlike traditional over-collateralized crypto loans, Huma Finance allows users to borrow against real income streams such as salaries, invoices, and remittances. By analyzing projected cash flows, it provides instant, smart contractโpowered access to capital.
At the heart of this approach is the Time-Value-of-Money (TVM) model, enabling lending decisions based on future earnings instead of existing crypto holdings. Borrowers can securely access 70โ90% of their expected revenue with full transparency.
The PayFi Stack โ Six Layers of Financial Innovation
1. Transaction Layer โ Built on fast, low-cost L1 and L2 networks to enable secure, high-speed transactions.
2. Currency Layer โ Supports stablecoins and yield-bearing currencies for stable, compliant, and seamless payments.
3. Custody Layer โ Uses MPC (multi-party computation) and smart contracts for secure asset management and instant settlements.
4. Compliance Layer โ Integrates on-chain identity and verification to meet global regulatory standards.
5. Financing Layer โ Delivers capital where itโs needed using tokenized assets and real-time risk management.
6. Application Layer โ Empowers developers to build scalable, intuitive, and compliant financial products.
As traditional finance struggles to adapt to the pace of Web3, Huma Finance is creating a foundation where payments and credit work seamlessly together making financial access global, scalable, and inclusive.
