Huma Finance$HUMA eliminates the shortcomings of international payments by replacing slow bank settlements with instant transactions using blockchain. The PayFi network allows payment organizations to conduct real-time transactions using stablecoins, bypassing the constraints of banking hours and intermediaries. Key areas of application include international transfers, trade financing, and credit card settlements. Strategic partnerships with Solana, Circle, and Stellar Development Foundation facilitate the real implementation of the platform, which has already processed over $3.8 billion in transactions as of April 2025 (Huma Docs).
Built on fast blockchains like Solana, the modular PayFi Stack system includes:
- Transaction layer: fast and inexpensive blockchain operations.
- Currency layer: liquidity of stablecoins (e.g., USDC).
- Compliance layer: built-in KYC/AML checks for institutional clients.
This architecture enables programmable settlements, allowing sellers to receive money in hours rather than days, as demonstrated in the partnership with Arf and Geoswift for Asian e-commerce (Crypto.News).#HumaFinance
