@Huma Finance 🟣 is driving the next wave of decentralized finance with its PayFi network a new financial framework that connects real-world payments with on-chain credit. Instead of relying on over-collateralized crypto loans, Huma enables borrowing against real income streams such as salaries, invoices, and remittances. By analyzing future cash flows, it provides secure, smart contract-based access to capital in real time.
At the core of this system is the Time-Value-of-Money (TVM) model, which bases lending decisions on projected earnings rather than locked crypto assets. With this approach, borrowers can access 70–90% of their future revenue, transparently and efficiently.
To deliver this, Huma has built the PayFi Stack—a six-layer open framework that powers this financial infrastructure:
Transaction Layer – Fast, secure settlements using efficient L1s and L2s.
Currency Layer – Supports stablecoins and yield-bearing assets for reliable payments.
Custody Layer – MPC and smart contract custody ensure secure asset handling.
Compliance Layer – On-chain identity and verification meet global regulations.
Financing Layer – Tokenized assets and real-time risk tools bring liquidity where it’s needed.
Application Layer – Developer-friendly tools for building scalable, compliant financial apps.
As legacy finance struggles with inefficiency, Huma Finance is laying the groundwork for a system where payments and credit work seamlessly together open, inclusive, and globally accessible.
