The past DeFi primarily relied on crypto asset collateral, which was inefficient and high-risk. The entire industry has been searching for 'more robust assets' to support growth.
The emergence of @Huma Finance 🟣 just fills this gap.
By bringing cash flow assets such as wages, invoices, and cross-border remittances on-chain, Huma enables a true integration of RWA with DeFi. This not only addresses the issue of capital efficiency but also allows more real-world users to access the on-chain financial network.
Recent data (5.7 billion in transaction volume, 136 million in liquidity, and 17 million in annualized income) indicates that this model has been validated by the market.
As the global finance gradually explores RWA tokenization, Huma's PayFi model may become an important reference case for the entire industry. It is not just a protocol, but more like the future direction of DeFi development.
