Core feature: using payment accounts and invoices as collateral to provide instant liquidity (PayFi)
What is this feature and why is it pivotal?
Through the PayFi concept—or payment financing via blockchain—Huma Finance offers a modern way to convert payment accounts and invoices (such as corporate receivables or salaries) into instant funding. This is done by:
Converting these receivables into smart collateral that the owner can obtain liquidity (like USDC or USDT) directly on-chain.
Once the invoice is settled, the loans are paid back by the automated system Smart Contracts.
This model removes the need to wait long for traditional payments, enhancing the cash flow of users or companies in a transparent and decentralized way.
Why is this feature important?
An actual solution for users and companies: instead of relying on traditional loans or long waits, users receive instant funding without giving up their core assets.
Web3's openness to the traditional market: employing real assets as collateral makes Huma a bridge between the traditional financial system and DeFi.
Ecosystem stimulation: brokers (LPs) attract capital through this platform, and instead receive stable returns in stablecoins + HUMA rewards.