Imagine if your salary, invoices, or remittances could give you cash today—without waiting weeks or months for the money to land.


That’s exactly what @Huma Finance 🟣 is trying to do with something they call PayFi.


How It Works


Instead of locking up crypto as collateral, Huma looks at income that’s already on its way.

You connect your future receivables—like a $10,000 invoice due in 30 days—and, based on risk checks, you might instantly unlock 70–90% of it.


It’s all managed through liquidity pools:

  • Safer Senior tranches for cautious lenders

  • Riskier, higher-yield Junior tranches for adventurous ones

  • First-loss reserves to protect against defaults


Everything runs on smart contracts, so payments and lending happen seamlessly.


The New Twist — Huma 2.0


In 2025, Huma launched on Solana with the PST (PayFi Strategy Token)—a yield-bearing token that represents your share in a pool.

You can trade PST for USDC, borrow against it, or even sell its future yield—so your investment keeps working while you’re funding real-world income.


Why It Stands Out


Most DeFi lending relies on volatile crypto collateral. Huma is different:

  • Collateral = real-world income streams

  • Yield = from genuine economic activity, not speculation

  • Access = permissioned pools with KYC/KYB for compliance

  • Security = multiple audits from Halborn, Spearbit, and Certora

In short: Huma is trying to bridge the gap between how we get paid and how we access money—making “waiting to be paid” a thing of the past.

#HumaFinance @Huma Finance 🟣