Huma Finance isn’t just another DeFi protocol it’s a radical rethinking of what financial infrastructure can look like in a world where time, money, and data move in real-time.
By pioneering the first PayFi network, Huma is laying the groundwork for an entirely new category of decentralized finance one where payments and financing merge, and where credit is based not on volatile tokens, but on real-world income and receivables.
Welcome to the new era of unsecured lending, powered by future cashflows.
↝🔹 DeFi Meets Real Income: What is PayFi?
Traditional crypto lending has a fatal flaw: it relies heavily on overcollateralization. But in the real world, people and businesses borrow not based on what they already own—but what they expect to earn.
Huma’s PayFi model flips the script:
↝🔹 Borrow against future income streams—like salaries, invoices, or remittances
↝🔹 Tap into uncollateralized lending, powered by smart contracts
↝🔹 Utilize the Time-Value-of-Money (TVM) model to assess and price risk
↝🔹 Get liquidity instantly, with 70–90% of expected revenue accessible upfront
This isn’t speculative DeFi it’s income-based finance that actually maps to the way people and businesses function.
↝🔹 Real-Time Global Commerce, Finally Unlocked
Legacy financial systems were not built for the speed of today’s global economy.
Take e-commerce for example:
➤ Over 50% of Amazon merchants are based in Asia
➤ Yet payouts from US/UK banks are delayed by 1–2 days due to time zones and outdated banking rails
Huma’s PayFi Network solves this instantly.
Through a breakthrough settlement solution in partnership with ArfOne and GeoswiftLimited, Huma is enabling same-day merchant payouts on the world’s largest platforms.
↝🔹 From payout to pocket—instantly, globally, and compliantly
↝🔹 Built on Huma’s PayFi rails + Arf’s regulatory-grade settlement + Geoswift’s merchant integration
↝🔹 The result: real-time working capital for global sellers, without borders
This is what happens when blockchain liquidity meets real-world velocity.
↝🔹 A New Frontier for Credit Markets
Unlike traditional DeFi, where the borrowing base is speculative, Huma enables credit access based on:
✓ Payroll history
✓ Invoice flow
✓ Remittance activity
✓ Recurring revenue streams
For both individuals and businesses, this unlocks the most powerful form of finance: credit based on trust and traction, not collateral.
In short: Huma isn’t DeFi for crypto traders—it’s onchain finance for everyone.
↝🔹 AMA: Get the Alpha from the Source
Curious how Huma works behind the scenes?
∆ Monday, August 18
∆ 1 PM UTC | 10 PM JST
∆ This session will be held in Japanese.
Expect insights. Ask questions. Get answers straight from the source.
↝🔹 Relive the Movement: PayFi Summit Hong Kong
Flashback to PayFi Summit 2025 in Hong Kong—brought to life by Huma & @SolanaFndn. The laughs, the alpha, the breakthroughs in income-based finance—it all happened there.
Now, the momentum continues...
↝🔹 Next Stop: PayFi Summit Singapore | October 1
Presented by Huma and top-tier ecosystem partners
↝The 4th PayFi Summit will dive deep into:
↝Income-based lending
↝ Global settlement rails
↝ Tokenized payroll & receivables
↝ Real-world applications of DeFi infrastructure
↝🔹 Be where the future of finance is being written.
↝🔹 Register now and join the builders of a new financial paradigm.
Why PayFi Matters
Legacy banks don’t run 24/7.
↝🔹 PayFi does.
Where old finance relies on weekends, business hours, and outdated intermediaries, PayFi gives you liquidity when you need it—based on the income you’re earning right now.
This is what the future looks like:
➤ Global, real-time, trustless
➤ Backed by smart contracts
➤ Powered by income not collateral
And #HumaFinance is building it.
The next wave of Web3 isn’t speculative—it’s foundational. It’s about bringing real-world finance on-chain, with infrastructure that supports real people, real income, and real commerce.
If you believe in a future where everyone can access capital based on who they are and what they earn not
just what they hold $HUMA is the protocol to watch.
PayFi is here. Real-time finance is live. @Huma Finance 🟣
