Huma Finance Bringing Real-World Finance to DeFi with PayFi

@Huma Finance 🟣 is changing the way decentralized finance works with its PayFi network, connecting real-world payments to blockchain lending. Instead of relying on crypto as collateral, Huma lets users borrow against actual income like salaries, invoices, or remittances through smart contract-powered financing.

At the core is the Time-Value-of-Money (TVM) approach, which evaluates future earnings rather than crypto holdings. This lets borrowers access 70–90% of their projected revenue in a secure, transparent way, making DeFi more inclusive and practical for everyday use.

The PayFi Stack: Six Layers of Innovation

Transaction Layer: Fast, low-cost L1 and L2 settlements

Currency Layer: Stablecoins and yield-bearing assets

Custody Layer: Secure MPC and smart contract custody

Compliance Layer: On-chain identity and regulatory alignment

Financing Layer: Real-time risk models and tokenized capital

Application Layer: Tools to build scalable, user-friendly apps

Why It Matters

While traditional finance struggles to adapt, Huma Finance is laying the groundwork for a future where credit and payments exist seamlessly on-chain accessible, transparent, and scalable for everyone, everywhere.

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