๐๐๐บ๐ฎ ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ ๐๐๐ถ๐น๐ฑ๐ถ๐ป๐ด ๐๐ต๐ฒ ๐๐๐๐๐ฟ๐ฒ ๐ผ๐ณ ๐ฅ๐ฒ๐ฎ๐น-๐ช๐ผ๐ฟ๐น๐ฑ ๐๐ฒ๐๐ถ ๐๐ถ๐๐ต ๐ฃ๐ฎ๐๐๐ถ
@Huma Finance ๐ฃ is transforming decentralized finance with its PayFi network a new model that connects real-world payments to on-chain lending. Instead of traditional over-collateralized crypto loans, Huma lets users borrow against actual income streams like salaries, invoices, or remittances, using smart contracts for instant, secure funding.
At the heart of the system is a Time-Value-of-Money (TVM) engine that bases lending decisions on expected earnings rather than crypto holdings. Borrowers can unlock 70โ90% of future revenue in a safe and transparent way, making DeFi more practical, inclusive, and scalable.
To power this, Huma has created the PayFi Stack a six-layer open framework:
Transaction Layer: Fast, low-cost L1/L2 blockchains for secure payments.
Currency Layer: Stablecoins and yield-bearing currencies for smooth, compliant settlements.
Custody Layer: MPC and smart contract custody for instant and safe asset management.
Compliance Layer: Built-in global regulatory compliance through on-chain identity checks.
Financing Layer: Real-time capital deployment using tokenized assets and risk management.
Application Layer: Developer-ready tools for building intuitive, compliant financial apps.
While traditional finance struggles to modernize, Huma Finance is creating a future where payments and credit systems work seamlessly together open to anyone, anywhere.
