Huma Finance: Shaping the Future of Real-World DeFi with PayFi

@Huma Finance ๐ŸŸฃ is on a mission to transform decentralized finance with its innovative PayFi network โ€” a new financial infrastructure that connects real-world payments to on-chain lending.

Unlike traditional crypto lending that relies on heavy over-collateralization, Huma lets users borrow based on real income streams like salaries, invoices, and remittances. By analyzing future cash flows, borrowers can access funds instantly through smart contracts.

๐Ÿ” At the core?

The Time-Value-of-Money (TVM) model โ€” enabling safe, transparent lending based on future income, not crypto holdings. Users can unlock up to 70โ€“90% of their expected revenue.

๐Ÿงฑ The PayFi Stack: A Six-Layer Framework

Transaction Layer โ†’ Fast, secure settlements using scalable L1 & L2 chains

Currency Layer โ†’ Stablecoins + yield assets for seamless, compliant payments

Custody Layer โ†’ MPC & smart contracts for safe custody and instant execution

Compliance Layer โ†’ On-chain identity + global regulatory standards built-in

Financing Layer โ†’ Tokenized assets & real-time risk tools for capital efficiency

Application Layer โ†’ Dev-friendly tools to build scalable, compliant finance apps

As traditional finance systems struggle to evolve, Huma is building a future-ready, inclusive financial layer for Web3 โ€” one that's open, fast, and grounded in real economic value.

๐Ÿ”— #HumaFinance | @Huma Finance ๐ŸŸฃ $HUMA