Creating a new category of decentralized finance through its PayFi network. Huma allows individuals and businesses to access credit based on verified future income (such as salaries, invoices, or remittances) without relying on locked collateral. Through its innovative Time Value of Money (TVM) framework, the protocol provides liquidity equivalent to 70-90% of expected earnings, delivered instantly and securely via smart contracts.
From cross-border settlement to global PayFi network
Huma's idea is to use stablecoins + on-chain settlement to shorten this process to minutes or even seconds. For cross-border traders and freelancers, this is an absolute necessity.
Huma has already deployed on Solana, Polygon, Celo, Stellar, and Scroll, and will expand to more chains in the future. This ensures that users can access Huma's pool regardless of which ecosystem they are in. This multi-chain layout means it is not 'betting on one chain,' but instead serves as an entry point for the global market.
The PayFi Stack proposed by Huma consists of six layers: transaction layer, currency layer, custody layer, compliance layer, financing layer, and application layer. Its ambition is to be 'financial infrastructure,' allowing different needs of people and institutions to connect at a certain layer: some may only use the financing layer, some may use compliance + custody, and some may directly access the application.
The total supply of HUMA is 10 billion, with an initial circulation of 17%, and the remainder allocated to community rewards, development funds, and partners. The token is not just a reward but also a governance token: users can decide incentive strategies, fees, and expansion plans. This ensures that Huma does not take the 'centralized route.' Huma has already established partnerships or investment relationships with institutions like Circle, Stellar, and Galaxy Digital. This ecological foundation means it is not 'going it alone' but pulling a group of partners together.
Huma continues to expand, with the potential to become a global PayFi network:
Ordinary users can cash out salaries in advance;
Instant cross-border settlement for freelancers;
On-chain financing for corporate accounts receivable;
DAO advances with future treasury.
At this point, it is not just a protocol, but a global on-chain financial system.
The value of Huma Finance lies in bringing real-world cash flow on-chain while providing stable returns to investors. Its future potential is significant, but it also needs to find a balance between compliance and scale. Whether it can become 'PayFi infrastructure' depends on its expansion in the next two to three years.
