Huma Finance powers the future of PayFi. Huma Finance is a decentralized PayFi network merging payment and financing, focused on real-world income and receivables-backed on-chain credit.
It lets users complete payments and loans directly on the blockchain, with high efficiency and simplicity. The platform supports Ethereum, Polygon, and more, offering strong adaptability. The platform runs on smart contracts, automatically verifying income and receivables to generate transparent credit records. This mechanism makes lending more reliable.
By 2025, Huma's on-chain credit volume exceeds $300 million, serving global SMEs, proving its market recognition. The HUMA token drives the ecosystem. Users can use it to pay fees, participate in governance, or stake it to reduce borrowing costs. This community-driven model makes the platform closer to users.
In the future, Huma plans to cover more blockchains and incorporate AI credit assessment. Its goal is to make PayFi the new standard in global finance.