Global e-commerce settlement is undergoing an efficiency revolution. Huma Finance, in collaboration with ArfOne and Geoswift Limited, has launched a same-day settlement solution, directly hitting the most sensitive nerve in cross-border trade — the capital turnover cycle. This payment network, jointly constructed by the three parties, essentially reconstructs the capital flow logic of traditional e-commerce, compressing the original settlement cycle of 3-7 working days to within 24 hours.
Huma Finance's underlying innovation lies in its PayFi network's TVM (Time Value of Money) model. This design is quite ingenious — by analyzing merchants' accounts receivable, payroll flows, and other future cash flow data through smart contracts, it can dynamically provide liquidity equivalent to 70%-90% of expected income. Compared to traditional DeFi over-collateralization models, this credit assessment based on real business data is clearly more aligned with the needs of the real economy. Current testing data shows that the capital utilization rate of e-commerce platform merchants connected to this system has increased by 2-3 times, which directly explains why the HUMA token has recently achieved a sustained premium in the secondary market.
From an investment research perspective, Huma's moat lies in its hybrid architecture: it retains the settlement transparency of blockchain while connecting the fiat currency world through Geoswift's compliant channels. This dual-track design allows it to occupy a unique ecological niche in the RWA (Real World Assets) track. Notably, its credit agreements can automatically adapt to the cash flow characteristics of different jurisdictions, which means it has the capability for rapid replication in emerging e-commerce markets such as Southeast Asia and Latin America in the future. Current on-chain data reflects that the protocol's TVL (Total Value Locked) maintains a monthly growth rate of over 40%, indicating strong fundamental support.