《@Huma Finance 🟣 Created a 'Financial LEGO': Every Layer of PayFi Stack Has Its Use》

Traditional finance is like an old machine, with parts welded together; it's impossible to switch to a 'fast gear' — but @Huma Finance 🟣 insists on taking it apart and reassembling it. Launched in July 2024, PayFi Stack resembles a 'Financial LEGO,' with a six-layer structure that can be disassembled and reassembled, with big players like Solana, Stellar, and Circle acting as 'building blocks,' effectively turning payment financing into a customizable endeavor.

The transaction layer is the 'base block,' choosing Solana and Stellar because they are 'fast and cheap.' Merchants can conduct bulk transfers without lag, transferring 100 transactions at once; the currency layer is the 'stable block,' with USDC as the mainstay, and in the future, it could include income-generating stablecoins. Money placed here not only retains its value but could also earn some pocket money; the custody layer is the 'secure block,' and MPC technology allows for 'immediate settlement after transfers,' so suppliers no longer have to chase whether payments have been made. The most ingenious part is the application layer, where developers use it as 'creative blocks.' Some have created cross-border payroll systems, while others have developed micro-lending tools; how to use it is entirely up to you.

$HUMA is the 'building block hand.' Want to add new features? The community votes using HUMA; want the blocks to be sturdier? Stake $HUMA as a reward for validation nodes. Now, the credit card industry has its eyes on it — a $16 trillion market. If PayFi Stack can facilitate real-time installments, users can get credit limits instantly when swiping their cards, and banks won't have to wait for the billing cycle to calculate. #HumaFinance says this is the benefit of modularity: each layer manages its own affairs while collectively they can tackle tough challenges.

@Huma Finance 🟣 also does not shy away from issues: global regulation is a 'poorly connected block,' but discussions are ongoing with various national agencies to embed rules into the compliance layer. This 'LEGO' system is just getting started, yet it has given many people hope — after all, financial tools should be assembled in the most convenient way possible.

Conclusion: @Huma Finance 🟣 has transformed payment financing from a 'fixed machine' into 'customizable LEGO,' and $HUMA is the crucial 'block pliers.' Perhaps the payment tools you will use in the future will be built using this framework.