Can a PayFi rail let merchants settle instantly without pre-funding and still stay legal?

Huma’s PayFi thesis is simple: underwrite short settlement windows so merchants don’t need pre-funded foreign accounts; route liquidity programmatically; and settle via composable rails. The hard work is legal/regulatory: cross-border payouts, KYC, and who bears default risk. Huma’s active PayFi summits and Solana partnerships show traction and industry outreach. For merchants, the value is capital efficiency; for Huma, the pivot is building predictable credit models and custody ecosystems that pass auditors. My bottom-line: PayFi wins when settlement liabilities are indistinguishable from bank-grade guarantees; that requires legal clarity and conservative underwriting — not only slick UX. Sources : huma.finance , Binance

@Huma Finance 🟣 #HumaFinance $HUMA