《$4 Trillion is about to move! PayFi Stack of @Huma Finance 🟣 is targeting dormant capital》

There’s a “sleeping giant” hidden in traditional finance: $4 trillion in prepaid capital, locked in trade contracts and supplier payment terms. How can small and medium-sized enterprises access it for turnover? Difficult. But @Huma Finance 🟣 , with PayFi Stack, is here to wake this “giant” up, planning to partner with Solana, Stellar, and Circle in July 2024 to make it happen.

Their method is “layered unlocking”: the financing layer acts as the “key,” converting prepaid vouchers into on-chain tokens, enabling merchants to exchange these tokens for cash on decentralized exchanges (DEX) without waiting for buyers to make slow payments; the transaction layer serves as a “conveyor belt,” speeding up transfers via Solana and Stellar, allowing for instant cash receipt upon exchange; the compliance layer acts as a “guarantor,” keeping track of the details of each transaction on-chain, so institutions can lend money with confidence. Previously, when factories procured raw materials, they would pay a 30% deposit and then run out of cash; now, with PayFi Stack, they can tokenize their prepaid payments and convert them back to cash flow on the same day, even advancing their project timelines.

The $HUMA token is the “switch for waking service” – the more people use it within the ecosystem, the smoother the capital flow in the financing layer, and the greater the utility of HUMA – it can serve as both transaction fees and as a voting mechanism to decide which industries unlock capital first. The trade financing sector (a $10 trillion market) already has pilot projects; a foreign trade company has activated $5 million in prepaid capital and secured two additional orders thanks to it. #HumaFinance calculated: if all $4 trillion were to become liquid, how many small businesses could it support?

Some say, “This is too idealistic,” but @Huma Finance 🟣 has already provided solid proof: a certain cross-border e-commerce firm uses it to make supplier payments; previously, they had to wait 3 days for bank approval, but now they can confirm the on-chain prepaid voucher and make payments instantly. Is blockchain complex? They have simplified the operation interface into three steps: “Upload contract - Generate tokens - Exchange funds,” making it easy for business owners to understand at a glance.

Conclusion: @Huma Finance 🟣 is not just playing small games; they aim to turn $4 trillion in dormant capital into flowing resources, and PayFi Stack is that pipeline, with $HUMA perhaps being the first opportunity to access the water.