@humafinance: Redefining Global Payment and Credit Infrastructure
In the traditional financial system, issues such as the inefficiency of cross-border payments and the difficulty of financing for small and medium-sized enterprises have long existed. Huma Finance (HUMA) has built an innovative PayFi (Payment Finance) network through blockchain technology, aimed at solving these pain points in a decentralized manner.
Huma's core breakthrough lies in the deep integration of real-world assets (RWA) with on-chain credit. Enterprises can tokenize their accounts receivable (such as invoices, payroll, or remittances) and deposit them into the platform to receive an advance payment in stablecoins like USDC or USDT immediately. Liquidity providers earn stable returns driven by real economic activities (currently, the annual yield of USDC is about 10.5%) by providing funding for these assets.
Huma's unique advantages are reflected in its institutional-level risk control design and excellent operational performance:
1. Zero default record: The platform has cumulatively issued over $2.3 billion in loans, maintaining a zero default rate.
2. Dual guarantee mechanism: Requires funds to be deposited into a guarantee account and establishes a SPV structure for initial loss reserves.
3. Real source of revenue: Revenue is not derived from token inflation, but generated from actual payment activities.
Recently, Huma collaborated with institutions such as Arf and Geoswift to launch cross-border settlement solutions, reducing the settlement time for e-commerce platforms from weeks to the same day. This innovation not only validates its technical feasibility but also showcases the potential of the PayFi model in large-scale applications.
As governance functions improve and multi-chain expansion progresses, Huma is becoming a key infrastructure in the global payment and credit field. Its model not only introduces sustainable real yields to DeFi but also provides unprecedented financing efficiency for small and medium-sized enterprises.
