. Pain Point Solution Wind: From 'Waiting for Money' to 'Instant Borrowing', @Huma Finance 🟣 Activates Cash Flow with PayFi
Domestic small business owners often find themselves in a dilemma: goods have been delivered, but invoice payments take 2 months to arrive. They want to bring in new goods to expand capacity, but working capital is stuck; workers also share similar worries: mortgage and car loan repayment dates are approaching, yet salaries won’t be credited for another half month. These pain points of 'cash flow gaps' are precisely the core issues that @Huma Finance 🟣 aims to solve with PayFi technology—no collateral needed, just future income to borrow cash, completed entirely on-chain, making 'waiting for money' no longer difficult.
The logic of @Huma Finance 🟣 is very pragmatic: it does not focus on users' crypto assets, but instead concentrates on tangible income streams. Whether it’s a company's invoice proof, trade remittance records, or an individual's pay slip, as long as it can demonstrate stable future income, a quick loan approval can be obtained through the TVM model calculation, with the loan amount typically being 70%-90% of expected income. Smart contracts automatically execute disbursements, arriving within minutes, much more efficient than traditional online lending’s '3-day review period', and every step of the process is transparent and traceable, eliminating any under-the-table operations.
Supporting the implementation of this model is the six-layer architecture of PayFi Stack: the Solana transaction layer ensures speed, stablecoins like PYUSD build the monetary layer to stabilize exchange rates, and the Elliptic compliance layer connects to KYC. Whether it’s domestic companies engaged in cross-border trade financing or individuals needing emergency funds, the system adapts smoothly. The $HUMA token serves as the value link of the ecosystem, staking can yield returns, and holding can participate in governance. The 2025 Binance Launchpool attracted over 50,000 wallets, demonstrating market recognition. #HumaFinance uses technology to fill the cash flow gap; #HumaFinance is making 'using future income to solve current urgent needs' a reality.
