HumaFinance addresses a very direct pain point - slow cash flow. Companies often face cash pressure due to delays in wages, incoming payments, or accounts receivable, while individuals can also be trapped waiting for settlements. Huma's PayFi model can tokenize these future cash flows, instantly becoming on-chain collateral, allowing funds to be released in advance.
This approach means higher capital turnover efficiency for enterprises and provides investors with options for senior/junior tranches, allowing for flexible matching of risk and return. Combined with stablecoin settlement and 24/7 liquidity, Huma's application covers cross-border trade, consumer finance, and payroll distribution.
HumaFinance is building a bridge between traditional finance and Web3.
