Huma Finance's technology is like 'black technology' for Web3 payments. Its PayFi network uses the TVM model to calculate 70-90% of the loanable amount based on future income like salaries and invoices, with smart contracts releasing funds in seconds, achieving outrageous efficiency. Huma 2.0 runs on Solana, with millisecond-level settlements, enabling capital to multiply dozens of times a year, and liquidity providers can earn 10-20% returns.
After merging with Arf, the platform has processed $1.8 billion in transactions with zero defaults, and its risk control is exceptionally strong. Huma's modular architecture supports both retail and institutional models; the Classic Mode offers a 10.5% USDC yield, while the Maxi Mode can amplify Feathers rewards. In the future, it will be on the Stellar Soroban network, enhancing cross-chain capabilities. PayFi's real-time settlement and unsecured lending could disrupt traditional finance, and with such a solid technical foundation for $HUMA, the potential looks quite significant.