Here is a simplified and focused explanation about Huma Finance, also known as PayFi Network, as per your request in Arabic:@Huma Finance 🟣
What is Huma Finance?
Huma Finance is the first PayFi (Payment Finance) network in the field of decentralized finance, aiming to empower financial and commercial institutions to settle payments globally around the clock using stablecoins (such as USDC or USDT) and liquidity available on the network. This facilitates transfers instantly, with higher efficiency and transparency compared to traditional systems like SWIFT.
---#HumaFinace💰
How it works
Huma operates within three technical layers:
1. Transaction Layer: Built on the ultra-fast Solana network for immediate settlement.
2. Currency Layer: Integrates stablecoins to avoid exchange rate fluctuations.
3. Financing Layer: Provides companies with direct liquidity using on-chain financing (such as receivables).
Huma allows users (such as small businesses) to access a percentage of their receivables (such as 80%) instantly, while liquidity providers earn a fixed return (such as APY ≈ 10.5%) from the interest generated by short-term financing.