While other projects are still struggling with KYC, Huma has made it possible to overcome the "impossible triangle" (efficiency, cost, compliance) for cross-border payments through the acquisition of licensed institutions and integration into the SWIFT network.
Core content:
1. Triple barriers to compliance
◦ License layout: Obtained MSB license through Arf Financial, supporting fiat settlements in 47 countries, handling an average of 42,000 transactions per day;
◦ Anti-money laundering system: Integrated monitoring modules from Chainalysis and Elliptic, intercepting 37 suspicious transactions, with real-time traceability of fund flows;
◦ Audit transparency: Third-party organizations disclose financial data of agreements monthly, with profits reaching $12 million in Q1 2025.
2. Strategic depth of ecological positioning
◦ Full coverage of payment scenarios: Launched same-day payment service in collaboration with Geoswift, allowing e-commerce sellers to receive funds within hours; partnered with VISA to issue StableCard, supporting consumption at merchants in 200 countries;
◦ Output of technical standards: Developed PayFi Stack modular architecture, including transaction layer (Solana), currency layer (USDC), compliance layer (Chainalysis), becoming the industry's "operating system";
◦ Geopolitical breakthroughs: Established nodes in emerging markets such as Southeast Asia and Latin America, avoiding high-pressure regulatory zones in Europe and the U.S., while also integrating with China's cross-border payment channels.
3. Strategic value of HUMA token
◦ Governance premium: Holders can vote on major decisions such as protocol fee adjustments and partner selections, with early investors locking up 19.3% of tokens, forming a "governance moat";
◦ Liquidity siphon: As the "cash flow hub" of the Solana ecosystem, the demand for HUMA tokens will increase as payment volumes grow;
◦ Cross-chain narrative: Plans to launch multi-chain versions, connecting networks like Ethereum and Polygon, expanding the user base.
