Huma Finance $HUMA: The First PayFi Network
Huma Finance is building a new category in DeFi called PayFi — financing global payments with instant, on-chain liquidity.
Core Vision
Instead of waiting days or weeks for settlement, Huma enables real-time financing across payment flows, powered by income and receivables-based collateral.
Use Cases
• Cross-border settlements
• Credit card clearing
• Trade finance
• New verticals like DePIN financing and tokenized payroll advances
Mechanics
• Collateral from payroll, invoices, and remittances
• Automated underwriting using both on-chain and off-chain data
• Programmable payments and instant liquidity
Token Utility
• Governance and protocol operations
• Staking for active network participation
Why It Matters?
Huma Finance bridges DeFi with the real economy by unlocking liquidity from payments, salaries, and receivables. This is not just a new financial product, but a new layer of infrastructure for global payment rails.
