@Huma Finance 🟣 is reshaping DeFi with its PayFi network, a next-generation system connecting real-world payments with on-chain credit and lending.
Unlike traditional crypto lending, which relies on over-collateralized assets, #HumaFinance enables borrowing against real income streams like salaries, invoices, or remittances. By analyzing future cash flows, Huma provides instant, smart contract–based liquidity, creating inclusive and scalable finance.
💡 The Innovation
Huma’s Time-Value-of-Money (TVM) model lets borrowers unlock 70–90% of future income transparently and securely, moving DeFi beyond speculation into real-world utility.
🔑 The PayFi Stack – Six Layers of Infrastructure
1️⃣ Transaction Layer – Fast, low-cost L1s & L2s
2️⃣ Currency Layer – Stablecoins & yield-bearing assets
3️⃣ Custody Layer – MPC + smart contract custody
4️⃣ Compliance Layer – On-chain KYC & identity
5️⃣ Financing Layer – Tokenized assets & risk management
6️⃣ Application Layer – Developer-ready financial apps
🌍 Why It Matters
As TradFi struggles with inefficiency, Huma Finance is pioneering a model where payments and credit work seamlessly together — fast, transparent, and accessible to anyone. This is DeFi powering the real economy through PayFi.
