"Get next month's salary today!" This is not a science fiction scenario, but a reality created by Huma Finance using blockchain technology.
As the world's first PayFi network, Huma is disrupting the logic of traditional finance—allowing users to convert future income (such as salaries, invoices, cross-border remittances) into instantly available on-chain liquidity without asset collateral or credit scores, just a wallet address.
Core Innovation: Time Value Model (TVM)
Huma achieves "future monetization" through a three-layer technology architecture:
1. Cash Flow Capture Layer: Connects enterprise ERP, payment platforms, and processes hourly income data with zero-knowledge proof encryption;
2. AI Risk Control Engine: Analyzes 5 million historical data points and dynamically adjusts the discount rate (90% for civil servant salaries, 70-85% for fluctuating incomes);
3. Smart Contract Execution: Automatically locks income, deducts payments, compressing the traditional 17-step process into 3 steps, completing assessments in 2.8 seconds.
Cross-Border Payment Revolution: Launched "Same Day Settlement" in collaboration with Geoswift, reducing the time for Asian e-commerce sellers to receive funds from >24 hours to a few hours;
Gig Economy Empowerment: Freelancers can instantly access 70-90% of invoice amounts in USDT, breaking the 30-day payment cycle shackles;
$4 billion Transaction Volume: Active wallets surged by 490% within two weeks of launching on Solana, with zero default records validating model reliability.
HUMA Token Constructs a Self-Circulating Ecosystem: 50% of transaction fees are used to repurchase and burn tokens (total supply of 10 billion), combined with "Feather Points" to reward long-term holders. The institutional version HUMA Institutional has provided qualified investors with a 26% annualized yield in stablecoins, deeply integrating protocols like Jupiter and Kamino within the Solana ecosystem, creating a payment-credit-yield closed loop.
"PayFi is not an extension of fintech, but a reconstruction of underlying financial infrastructure." While traditional banks remain dormant, Huma is lighting up the never-ending highway of capital with blockchain technology.
