HUMA Series (Thirty-Five): The Transformation from Invoices to Liquidity
Invoices, in traditional business, are often just a piece of paper representing future money, but they also mean a long wait. After suppliers ship goods, they have to wait 60-90 days to receive payment, during which time funds are idle and opportunities slip away. Huma Finance changes all of this by converting invoices into on-chain receivables and directly injecting liquidity. Users upload invoices, and smart contracts analyze cash flow patterns to instantly provide 70-90% funding matching. This relies on the TVM model, which acts like a precise prophet, assessing future income potential and ensuring lending safety.
For example, a small to medium-sized business owner has an invoice for a large order. By collateralizing it on the Huma platform, they can borrow most of the amount for reinvestment or daily operations. There's no need to beg the bank for approval; everything operates transparently on-chain. Huma's PayFi network plays a key role here, combining stablecoins to achieve real-time settlement. In the past, the SWIFT system caused cross-border invoice settlements to drag on, but now it’s done in seconds while avoiding exchange rate risks.
Huma 2.0's permissionless model allows more people to participate. Retail users can also join liquidity pools, providing funds for these invoice loans and earning stable returns. Partners like Galaxy Digital ensure the robustness of the ecosystem. The result? Supply chains are accelerated, merchant cash flow is smoother, and global trade efficiency has doubled. Huma is not just a tool; it is reshaping financial logic, turning invoices from static assets into dynamic liquidity. In the future, this transformation will enable countless businesses to break free from funding bottlenecks and truly take off.
