Huma Finance has achieved remarkable success in the PayFi sector, thanks to its advanced and unique technological architecture, which lays a solid foundation for its innovative development.
Huma Finance adopts a modular architecture called PayFi Stack, which includes multiple key layers. The transaction layer is based on high-performance blockchain platforms such as Solana and Stellar, ensuring that transactions can be executed quickly and efficiently to meet the concurrent demands of a large number of users. The currency layer supports mainstream stablecoins like USDC and PYUSD, providing assurance for the stable flow of funds. The custody layer collaborates with professional institutions like Fireblocks and Cobo, utilizing multiple encryption technologies and security measures to comprehensively safeguard user assets.
The compliance layer integrates advanced compliance solutions such as Chainalysis and Elliptic, monitoring the flow of funds in real-time, strictly adhering to anti-money laundering (AML) and know your customer (KYC) regulations, ensuring the compliance of the platform's operations. The financing layer, as the core, provides users with diversified financing services, while the application layer directly reaches users through rich application scenarios like Arf and Raincard, delivering financial services.
In terms of asset tokenization, Huma Finance also has outstanding technical implementations. It tokenizes real-world assets (RWA) such as salary flows, accounts receivable, and remittance contracts on-chain, creating verifiable credit credentials. By using technologies like zero-knowledge proofs, it ensures the security of asset information while achieving efficient circulation and financing of assets. Huma Finance's technological architecture supports its business development and innovation from the ground up, enabling it to maintain a leading position in the PayFi track and continuously provide users with higher quality, safer, and more compliant financial services.
