Huma Finance is reshaping DeFi with its PayFi ecosystem! 🌟 By connecting real-world payment flows with blockchain liquidity, Huma enables borrowing against upcoming income such as wages, invoices, and remittances.

How it operates:

✅ **Time-Value-of-Money (TVM) Framework** – Credit decisions rely on projected earnings instead of traditional crypto collateral.

✅ Unlock **70–90% of future cash flows** in a decentralized and secure manner.

The PayFi architecture is designed with a flexible six-tier stack to deliver scale, regulatory alignment, and developer adaptability:

✅ **Settlement Tier** – Fast and reliable transactions.

✅ **Currency Tier** – Trusted and compliant payments.

✅ **Custody Tier** – Robust protection of assets.

✅ **Compliance Tier** – On-chain identity and verification.

✅ **Financing Tier** – Directing capital efficiently.

✅ **Application Tier** – Enabling scalable financial solutions.

Huma Finance is driving the evolution of decentralized finance into real-world utility! 🚀

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