HUMA Series (23): Payment Liberation for Global Merchants
Global merchants have long been shackled by traditional payment systems, facing high fees, slow settlement, and cross-border barriers—issues that have caused many headaches. Huma Finance's PayFi network is a liberation tool tailored for them, enabling 24/7 real-time settlement through the $HUMA token and stablecoins.
Imagine you are a cross-border e-commerce seller; in the past, using SWIFT transfers meant waiting days or even a week, with a bunch of fees deducted in between. Now, with Huma, payments are instantly settled based on on-chain receivables and smart contracts. Merchants can use future income streams like invoices as collateral, borrowing 70-90% liquidity without waiting for customers to pay. This not only accelerates cash flow but also reduces costs. Huma has processed $3.8 billion in transactions, proving its reliability.
For global merchants, this means liberation. Small and medium-sized enterprises no longer need to rely on big banks to access permissionless Huma 2.0, providing liquidity or directly using payment services. Solana's high-speed blockchain ensures efficiency, while the collaboration with Circle and Stellar allows stablecoins to flow seamlessly. Merchants wake up to settled sales; suppliers get paid immediately upon shipment; migrant workers' remittances arrive in seconds, without intermediary fees.
I have interacted with some merchants using Huma, and they say it has changed the game. Funds that were previously stuck in “dead corners” are now flowing, supply chains are faster, and growth is no longer limited. PayFi is not science fiction; it is a reality. Huma's community-driven approach allows merchants to be more than just users—they can participate in profit-sharing through feather rewards. Global payment liberation starts here. If you are a merchant, why not try Huma's pool to see how you can optimize your business?
