In the past two years, the keywords hotly discussed in the market have been Stablecoins and RWA (Real World Assets). Huma Finance happens to be a representative project that combines these two main lines.
Most traditional DeFi protocols rely on on-chain collateral, such as ETH or stablecoins themselves, circulating loans to obtain returns.
Huma's logic is to directly use stablecoins to support real-world payment settlement and financing. For example, cross-border sellers need funds to cover shipping costs, and salary payments need to arrive instantly. These scenarios have real cash flow and receivables behind them.
Under this model, Huma's returns no longer depend on "virtual asset price fluctuations" but are tied to global payment and RWA financing needs. This not only makes the returns more stable but also finds a truly large-scale application path for stablecoins.
In other words, Huma Finance, through the PayFi network, has transformed stablecoins from "on-chain deposit and withdrawal" into a "global liquidity engine." For the entire crypto industry, this is a groundbreaking breakthrough.
