Commercialization of PayFi from an Industry Perspective - Huma's Market Logic
Many payment innovations remain at the conceptual stage, but @Huma Finance 🟣 demonstrates the importance of implementation and commercialization. The collaboration with Arf and Geoswift makes the PayFi network not only a technology platform but also a practical financial solution.
In traditional cross-border payments, merchants often wait several days for payment to be received, and this delay affects operational efficiency. The Huma PayFi network uses an immediate borrowing and returning mechanism to pre-arrange fund allocation, combining partners' compliance and interface capabilities, shortening the settlement cycle to the same day. This experience directly enhances the merchants' fund turnover rate and reduces the operational costs for payment institutions.
More importantly, Huma's revenue model does not rely on 'customer acquisition' or 'minting' but comes from service fees and transaction fees—i.e., actual payment demand. Each merchant order and every fund borrowing generates revenue for the agreement. This model directly links the returns for LPs to network growth and associates token value with actual transaction volume, forming a verifiable business logic.
This demand-driven strategy allows Huma to find a differentiated advantage in a highly competitive industry: it addresses real problems—speed, compliance, and fund efficiency. As more merchants, payment institutions, and partners join, PayFi is expected to become the new infrastructure of the global payment industry.
In a market that increasingly emphasizes sustainable growth, Huma's path illustrates one point: the business model is the long-term moat.
