๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐: ๐๐๐๐๐๐ข๐ง๐ข๐ง๐ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข ๐ฐ๐ข๐ญ๐ก ๐๐๐ฒ๐ ๐ข
@Huma Finance ๐ฃ is spearheading the next phase of decentralized finance through its PayFi network a financial infrastructure designed to connect real-world payments with on-chain lending. Instead of depending on over-collateralized crypto loans, Huma enables users to borrow against future income streams such as salaries, invoices, and remittances. By analyzing cash flow projections, borrowers gain instant access to capital through smart contracts.
The system runs on the Time-Value-of-Money (TVM) model, where lending is based on expected income rather than crypto holdings. With this, users can unlock up to 70โ90% of their future revenue in a secure and transparent way.
The PayFi Stack: A Six-Layer Framework
Transaction Layer โ Fast, secure settlements powered by scalable L1s and L2s.
Currency Layer โ Stablecoins and yield-bearing assets for reliable, compliant payments.
Custody Layer โ MPC and smart contracts for secure custody and instant settlements.
Compliance Layer โ On-chain identity and regulatory integration for global standards.
Financing Layer โ Tokenized assets with real-time risk management.
Application Layer โ Developer tools for building intuitive and compliant financial apps.
