We can’t stress it enough; this yield is built different! PayFi yield is earned from real financial activity – transaction fees paid by businesses using the network.
Here’s the engine: Each time a business taps into the PayFi network to settle a payment, it pays a daily fee (typically 6 to 10 basis points) to access liquidity until it is repaid. Because the liquidity is repaid frequently—often within one to five days—the same capital can be recycled many times per year. That rapid turnover creates a compounding effect that drives strong, recurring yields for liquidity providers.
The result is stable, double-digit yield that doesn’t depend on bull markets or token farming. This yield doesn't follow market cycles. Markets go up and down; PayFi yield doesn’t. Whether crypto is booming or dipping, people still spend, send, and settle – that's where the yield comes from. This makes Huma’s stable, double-digit yield incredibly attractive and reliable, especially in bear markets when other sources may dry up. It’s powered by real businesses moving real money. As long as global commerce continues (and we all know it will), the yield is sustainable.
Huma 2.0 goes beyond a new platform; it's an invitation to participate in a more open, efficient, and accessible financial future, embodying our mission to accelerate the movement of money for a world that’s always on. It reflects the Huma ethos – a reminder to aim higher, break free from what holds us back, and embrace the endless possibilities that lie beyond.
