How PayFi Stack Empowers Huma Finance's Global Financial Vision

Browsing humafinance's PayFi Stack blog, I am excited about the modular design of this framework and its potential impact on the financial market. PayFi Stack creates a fast, transparent, and programmable financial infrastructure through a six-layer architecture: transaction layer (sub-second confirmations on Solana), currency layer (stablecoins like PYUSD), custody layer (Cobo's MPC custody), compliance layer (Elliptic's AML/KYC support), financing layer (tokenized receivables), and application layer (supporting cross-border payments like Arf).

In July 2024, @Huma Finance 🟣 launched PayFi, processing $3.8 billion in transactions, covering a $10 trillion trade finance market. Huma Finance's goal is to make the flow of capital as efficient as the flow of information.

The HUMA token (total supply of 10 billion) is the pillar of the @Huma Finance 🟣 ecosystem, where users participate in governance and share a 10.5% annual yield by staking $HUMA. In May 2025, Huma distributed $HUMA through Binance Launchpool, attracting over 53,000 wallets to participate. I believe that PayFi Stack addresses the pain points of high costs and low efficiency in traditional finance through decentralization and transparency, and its collaboration with Solana and Circle further enhances scalability.

In the future, humafinance plans to integrate AI-driven risk assessment tools, expanding into more on-chain scenarios and injecting new vitality into the $16 trillion payment market. #HumaFinance $HUMA is the pioneering force in the global financial transformation.