Imagine this: merchants can receive payments as instant, transparent, and low-cost as chatting—this is not science fiction, it's what Huma is doing.
Huma combines 'Pay' and 'Finance' into PayFi, providing payment institutions and merchants with 24/7 real-time settlement capabilities through on-chain stablecoins and on-demand liquidity, aiming to transform traditional multi-day settlements into instant clearing, thereby reshaping the cross-border and merchant settlement experience. 
Technically, Huma connects with merchants through composable liquidity pools and solutions, allowing funds to be scheduled on-chain as needed, reducing intermediary settlement costs, and enabling programmable processing of 'real-world cash flows' such as accounts receivable and invoices on-chain, which is particularly important for supply chain finance and micro-loan scenarios. 
At the token level, $HUMA is designed as a utility and governance token within the ecosystem (with a total supply cap of 10 billion, and a clear distribution plan for initial circulation and airdrops), attempting to bind long-term interests with network participants through fee buybacks and governance incentives.  
