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Pain Point Direct Hit: Are Payment Terms Holding You Back? @Huma Finance 🟣 Revives Cash Flow

Small and medium-sized enterprises are often “bound hand and foot” by payment terms: goods are shipped, but payments take 30 days, 60 days to arrive; employee salaries need to be paid, upstream payments are due, but the account balance is just “sitting idle.” Traditional bank loan processes are long, with high interest rates, and it's difficult to ask for a loan due to personal connections; once cash flow is blocked, business comes to a standstill.

The PayFi network of @Huma Finance 🟣 aims to break this deadlock—no cryptocurrency collateral needed, directly converting “future confirmed income” into cash. Cross-border traders upload €100,000 invoices, the system verifies customer payment records on-chain, and confirms no overdue payments before transferring $90,000 USDC the same day, with fees only half of the bank's; freelancers earning $20,000 a month can withdraw $18,000 in advance for rent, automatically settling salaries as they arrive, with no paper processes throughout.

$HUMA

are the core of this system: node maintenance in the network earns rewards, community voting decides on new features such as “daily income conversion,” and the emergency fund is also replenished through it. Now, the platform covers invoice discounting, cross-border remittances, and service fee advances, with $38 million in financing further solidifying its foundation. #HumaFinance uses transparent smart contracts to control risks, data encryption to prevent leaks, and automatic dispute resolution for customer defaults, making it much more reliable than traditional finance's “black box.” #HumaFinance truly achieves: not letting “waiting for money” delay “getting things done.”