Reshaping the Future of Finance: How Huma Finance Becomes the 'Cash Flow Engine' of Web3?
In today's flourishing landscape of Decentralized Finance (DeFi), most protocols still focus on collateralized lending of crypto assets or liquidity mining, while @Huma Finance 🟣 is opening a brand new track—PayFi (Payment + Financing). It no longer focuses solely on on-chain assets but instead turns its attention to cash flows in the real world. By tokenizing future income streams such as salaries, invoices, and cross-border remittances, Huma truly brings 'time value' to life.
In traditional finance, small and medium-sized enterprises often face funding difficulties due to long accounts receivable cycles. Huma's innovation lies in utilizing blockchain technology to convert these accounts receivable into programmable digital assets, allowing users to obtain 70%-90% of instant financing through smart contracts immediately after delivery, without waiting months for payments. This model is similar to traditional factoring but is more transparent, efficient, and does not require intermediaries. The system of @Huma Finance 🟣 is deployed on high-performance chains such as Solana and Stellar, achieving thousands of transactions per second, with settlement times in seconds, and costs as low as $0.00025 per transaction, completely breaking the barriers of SWIFT's delays and high fees. #HumaFinance #PayFi #DeFi
The broader significance lies in inclusivity. Over 1.7 billion people globally still lack access to basic banking services, while Huma provides unsecured but controllable risk credit by analyzing reliable cash flow patterns, allowing freelancers, small business owners, and even individuals in emerging markets to connect to the global financial network. This is not only a technological breakthrough but also a movement for financial equity.
Huma 2.0 launches dual funds (Classic and Maxi) to support liquidity providers with different risk preferences and achieve annualized returns of 15%-24.71%, with funds backed by real trade assets, ensuring safety and sustainability. In collaboration with top institutions such as Circle, Galaxy Digital, and Stellar, Huma has processed over $4.63 billion in transactions while maintaining a zero-default record.
@Huma Finance 🟣 is building a bridge connecting the real economy with Web3. As global trade volume increases, the value of the $HUMA token will also be released accordingly. This is not just the rise of a protocol but the opening of the PayFi track.
