๐ The PayFi Stack: Internet of Money
Traditional finance is stuck in the past โ slow settlements, high fees, locked-up capital.
Huma Financeโs PayFi Stack is building a new paradigm: instant, programmable, borderless finance. Inspired by the OSI model of the internet, PayFi breaks into 6 layers:
1๏ธโฃ Transaction Layer โ Fast, low-cost blockchains (Solana, Stellar)
2๏ธโฃ Currency Layer โ Stablecoins + yield-bearing assets (USDC, USDM)
3๏ธโฃ Custody Layer โ Secure asset management (MPC, smart contracts)
4๏ธโฃ Compliance Layer โ On-chain KYC/AML, global regs (MiCA, Singapore)
5๏ธโฃ Financing Layer โ Tokenised assets, real-time credit markets
6๏ธโฃ Application Layer โ User-facing apps (payments, lending, payroll)
๐ Why it matters: PayFi could unlock $16T credit card markets, $10T trade finance, and trillions more in idle capital.
๐ Which PayFi benefit excites you most?
โก Instant settlement
๐ณ New credit & financing models
๐ Borderless payments
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Compliance-first innovation
#PayFi #HumaFinance #DeFi @Huma Finance ๐ฃ $HUMA
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