Huma Finance, through its PayFi network, provides instant liquidity and real-time settlement solutions for global payments, significantly enhancing the efficiency of cross-border payments. In 2025, Huma processed over $5.7 billion in transaction volume with zero default records, serving over 35 partners including Jia and Arf, with a total value locked of $136 million. The PayFi network utilizes the high-speed blockchains of Solana and Stellar, supporting 24/7 payment settlements.
Web information shows that Huma's same-day settlement solution launched in collaboration with Arf and Geoswift allows e-commerce platform merchants to achieve instant payments, with transaction confirmation times as low as 3 seconds and gas fees of only $0.001, far lower than traditional banks' processing times of several days and 2-5% fees. In testing, a merchant settled USDC to a Solana wallet through Huma in 5 seconds, at a cost of just $0.01, significantly lower than the $50 of the SWIFT system. The core of the PayFi network is the on-chain liquidity pool based on USDC.
Users deposit USDC into Huma's liquidity pool to participate in cross-chain payment financing, with tests showing annual percentage rates (APR) reaching 10-15%, where 1,000 USDC can yield approximately 12 USDC in returns within 30 days. The platform supports multiple chains including Ethereum, Polygon, and Celo, and merchants can access funds via Web3 wallets (such as MetaMask), with a user interface that supports Chinese and is intuitive to operate. Huma automates settlements through smart contracts, and in testing, a cross-border payment DApp integrated with Huma API processed 10,000 transactions in just 1 minute, achieving a 50% efficiency increase.
Community feedback shows that Huma's Dune dashboard provides real-time trading data, enhancing transparency, but beginners may need more guidance to understand liquidity pool operations. Market volatility may affect the stability of returns, and it is recommended that Huma add risk warnings.@Huma Finance 🟣
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