🚀 Huma Finance Shaping the Future of Real-World DeFi with PayFi
Huma Finance is revolutionizing decentralized finance through its PayFi network, a system that links everyday payments to on-chain lending. Rather than relying on conventional over-collateralized crypto loans, users can borrow against real income sources like wages, invoices, or remittances secured instantly through smart contracts.
Central to this model is the Time-Value-of-Money (TVM) engine, which evaluates loans based on projected earnings instead of crypto holdings. This allows borrowers to access 70–90% of future income safely and transparently, making DeFi more practical, inclusive, and scalable.
The PayFi Stack is a six-layer framework powering the network:
1. Transaction Layer Fast, cost-efficient L1/L2 blockchains for secure transfers.
2. Currency Layer Stablecoins and yield-bearing tokens for smooth, compliant settlements.
3. Custody Layer MPC and smart contract-secured asset management.
4. Compliance Layer Built-in on-chain identity verification for global regulatory adherence.
5. Financing Layer Real-time deployment of capital using tokenized assets and risk control.
6. Application Layer Tools for developers to create intuitive, compliant financial applications.
While traditional finance adapts slowly, Huma Finance is building a future where payments and credit merge seamlessly, providing open financial access for everyone, anywhere.
