#HumaFinance – Real-World DeFi Powered by PayFi
Huma Finance is redefining decentralized finance with its PayFi network, connecting everyday payments to on-chain financing. Unlike traditional over-collateralized crypto lending, Huma allows users to borrow against future income—salaries, invoices, and remittances—using smart contracts for instant, automated liquidity.
Built on the Time-Value-of-Money (TVM) principle, borrowers can access 70–90% of future revenue securely and transparently, making DeFi more practical and inclusive.
The PayFi Stack – Six Layers of Innovation
Transaction Layer – Fast, low-cost L1/L2 networks
Currency Layer – Stablecoins and yield-bearing assets
Custody Layer – Smart contracts & MPC security
Compliance Layer – On-chain regulatory standards
Financing Layer – Tokenized assets with real-time risk management
Application Layer – Developer tools for scalable financial apps
@Huma Finance 🟣 is building a future where payments and credit move together seamlessly—accessible, compliant, and scalable.
