Huma Finance Building the Future of Real-World DeFi with PayFi 🟣
@Huma Finance 🟣 is reimagining DeFi with PayFi, a groundbreaking model that bridges real-world payments with on-chain lending. Forget the old over-collateralized crypto loans PayFi lets users borrow against real income streams like salaries, invoices, and remittances, all secured by smart contracts for instant, transparent funding.
💡 The Game-Changer: At its core is the Time-Value-of-Money (TVM) engine, which makes lending decisions based on expected earnings instead of volatile crypto holdings. Borrowers can unlock 70–90% of future revenue safely and efficiently, making DeFi practical, inclusive, and scalable.
🔗 The PayFi Stack – Six Layers of Financial Innovation
1️⃣ Transaction Layer – High-speed L1/L2 chains for secure, low-cost payments
2️⃣ Currency Layer – Stablecoins & yield-bearing currencies for smooth settlements
3️⃣ Custody Layer – MPC + smart contract custody for instant asset control
4️⃣ Compliance Layer – On-chain KYC for global regulatory readiness
5️⃣ Financing Layer – Real-time capital deployment via tokenized assets
6️⃣ Application Layer – Developer tools for intuitive, compliant financial apps
While traditional finance struggles to evolve, Huma Finance is crafting a seamless system where payments & credit work hand-in-hand — accessible to anyone, anywhere.