Credit

🚀 The PayFi Stack: Internet of Money

Traditional finance is stuck in the past — slow settlements, high fees, locked-up capital.

Huma Finance’s PayFi Stack is building a new paradigm: instant, programmable, borderless finance. Inspired by the OSI model of the internet, PayFi breaks into 6 layers:

1️⃣ Transaction Layer → Fast, low-cost blockchains (Solana, Stellar)
2️⃣ Currency Layer → Stablecoins + yield-bearing assets (USDC, USDM)
3️⃣ Custody Layer → Secure asset management (MPC, smart contracts)
4️⃣ Compliance Layer → On-chain KYC/AML, global regs (MiCA, Singapore)
5️⃣ Financing Layer → Tokenised assets, real-time credit markets
6️⃣ Application Layer → User-facing apps (payments, lending, payroll)

👉 Why it matters: PayFi could unlock $16T credit card markets, $10T trade finance, and trillions more in idle capital.

📊 Which PayFi benefit excites you most?

⚡ Instant settlement

💳 New credit & financing models

🌍 Borderless payments

✅ Compliance-first innovation

#PayFi #HumaFinance #DeFi @Huma Finance 🟣 $HUMA

#Huma