If we compare global finance to a big web, traditional institutions are the backbone, and what Huma Finance aims to do is to unblock and make efficient those clogged and inefficient 'capillaries.' Its core is not about issuing tokens or speculating on concepts, but rather about using the 'programmable' capabilities of blockchain to make real-world financial activities more direct and efficient.

For example, in the case of invoice financing, small and medium-sized enterprises issue invoices and have to wait 30 days or even longer to get paid. During this time, they need to carefully manage their finances to purchase goods or pay salaries. Huma allows these invoices to be put on the blockchain as digital certificates, enabling companies to directly exchange them for cash, increasing the speed of capital turnover by more than 10 times. More importantly, these digital certificates can circulate on the chain, which means that banks and funds can participate, turning the 'dead money' that used to sit idly on the balance sheet into 'living money' that can be recycled.

Looking at the payment side, it has formed a 'combination punch' with tools like Jupiter (a leading DEX on Solana) and Arf (a supply chain finance protocol). For example, a payment for goods from the United States to Southeast Asia used to pass through layers of banks and clearing institutions. Now, through Huma's channel, USDC can be received directly, reducing transaction fees from 1% to below 0.1%. For those doing cross-border business, this saves not only money but also time and risk.

What is most worth pondering is its 'compliance innovation.' Many people believe that decentralized finance should circumvent regulation, but Huma goes against the grain—technologically, it maintains permissionless openness (anyone can access it), but in business, it strictly adheres to regulatory requirements in various countries, such as KYC and anti-money laundering, without exception. This wisdom of 'dancing with shackles' allows it to truly enter areas that traditional finance dares not touch, such as small loans in emerging markets and supply chain financing for small and medium-sized enterprises.

Now it has achieved zero defaults, and the number of cooperating institutions is increasing, from payment giants to regional banks. Perhaps one day in the future, when you can borrow emergency funds directly on your mobile phone using your paycheck, or when your company's cross-border payment arrives instantly, there will be Huma's 'new financial web' at work behind the scenes—without shouting slogans of disruption, it is genuinely making finance more attuned to the needs of ordinary people. #HumaFinance @Huma Finance 🟣 $HUMA