Many people think Huma is just a 'tool for borrowing salaries and invoices', but its ambition is much bigger. It wants to build a 'globally universal PayFi infrastructure' that turns all 'real income streams' into 'on-chain liquidity', allowing small merchants in Japan, office workers in the U.S., and laborers in Southeast Asia to access efficient and low-cost payment and financing services.
Huma has already laid a solid foundation. At the payment layer, it uses high-speed chains like Solana and Stellar to achieve instant cross-border payments with fees 90% lower than traditional banks. At the financing layer, it already supports three types of income streams for collateral: salaries, invoices, and remittances. In the future, it plans to integrate income from freelancers' royalties, streamers' live broadcast shares, and even landlords' rental income. As long as it is 'certain future income', it can be converted into money on Huma.
Moreover, it is actively 'linking global resources'. For instance, it recently collaborated with financial institutions in Japan to replicate the 'invoice lending' model for small and medium enterprises there. In the future, it may go to Southeast Asia to address cross-border remittance needs with 'remittance advance' services, allowing overseas workers to access their domestic remittances in advance rather than waiting 15 days. It may even collaborate with global payment gateways to enable offline stores to use Huma's liquidity for 'selling goods first and collecting payments later' business.
More importantly, Huma is focusing on 'ecological openness'. Its launched payment financial strategy token PST allows other projects to access Huma's liquidity. For example, an e-commerce platform on Solana can directly use PST to provide merchants with 'instant payment after sales' services without having to build their own lending system. This 'open cooperation' model can enable Huma's PayFi infrastructure to cover more scenarios and become 'a part of the global financial network'.
Currently, the crypto space lacks 'small tools', but it's missing projects that can build 'infrastructure'. Huma's strategy evolves from solving 'personal cash flow' to serving 'global entities', from 'single functionality' to 'open ecology'; it's a big game. If in the future it can actually bring all real income streams onto the chain, then its value will be beyond what we can imagine now!
