Li Jie is an e-commerce seller from Shenzhen, China, focusing on selling health products through the Shopee platform. A few years ago, Li Jie embarked on his e-commerce journey, packaging, shipping, and advertising every night, dreaming of changing his and his family's life through this business. However, as order volumes increased, Li Jie began to face a difficult problem—fund recovery.
Every time he completed a shipment, he looked forward to receiving payment from the platform. However, reality always disappointed him. According to Shopee's settlement cycle, his payments would take 7 days to arrive, but most of the time, this process would be delayed by a few days or even longer. Moreover, each time the funds arrived, a portion would be deducted as fees, which was undoubtedly a huge pressure for a small seller.
In these predicaments, Li Jie encountered an opportunity that changed his entire e-commerce business—Huma Finance.
A message that restored his confidence
One day, Li Jie saw a tweet on his social media: "Huma Finance breaks payment barriers, achieving global instant settlement." Curious, he clicked the link. It turned out that Huma provided a T+0 payment solution through its PayFi network, allowing sellers to receive funds the same day without high fees. This sounded like a dream solution.
“Could such a magical thing really exist?” Li Jie thought half-convinced.
Starting to try, unexpected surprise
Determined to try, Li Jie took the first step by contacting Huma, registering an account, and integrating his account with Huma's payment system. After a simple authentication and setup, he withdrew the funds from his Shopee account into a stablecoin wallet supported by Huma. This process involved no complicated procedures or cumbersome steps, and Li Jie quickly completed the operation.
Two days later, his system alerted him, "Payment completed," and Li Jie hurriedly checked, only to find that the funds had arrived on the same day without any fees. He could hardly believe his eyes; this was much faster than the speed he had previously experienced with the platform! He immediately began recalculating his capital turnover situation—thanks to Huma's instant settlement, he could accelerate the circulation of funds and even reduce the need for external borrowing.
Li Jie's eyes began to sparkle, meaning he could restock instantly, expand his advertising efforts immediately, and no longer had to wait for the slow return of funds; his operational rhythm became much more flexible.
The significant advantages compared to traditional payments
“This is truly amazing,” Li Jie exclaimed. “In the past, I always waited for the platform's payment, fearing I would miss the best opportunity to restock. Now, not only can I replenish stock faster, but I can also increase my advertising budget through instant payments, boosting sales.”
Looking back, Li Jie couldn't help but compare the pain points of traditional payment systems: the long settlement times of banks and the platform's settlement cycles left him in distress. In the highly competitive environment of cross-border e-commerce, the liquidity of funds is a matter of life and death. Huma's instant settlement service completely resolved this issue.
Compared to the inefficiency and high fees of traditional payment systems, Huma solved Li Jie's funding issues through stablecoin settlements and on-chain liquidity, significantly enhancing his competitiveness as a small seller. Unlike those sellers who could not resolve their cash flow issues, Li Jie gradually built his brand and customer base through the advantages of the PayFi network, continuously increasing his market share.
How Huma changed the cross-border e-commerce ecosystem
With the support of the PayFi network, Li Jie not only benefited from faster payment speeds but also further reduced the flow of funds between platforms. This meant he could better control his cash flow and reduce reliance on high-interest loans or other funding advances. Li Jie knew clearly that without Huma, he might still be relying on traditional payment systems, waiting for endless settlement cycles.
Moreover, Huma also provided more financing opportunities for e-commerce sellers like Li Jie. Through the PayFi network, Li Jie could quickly obtain funding support based on future accounts receivable, avoiding business bottlenecks caused by cash shortages. He no longer had to worry about missing the best restock opportunities because of waiting for payments or losing the best advertising slots due to tight funding.
For Li Jie, Huma solved not just the payment issue but also opened up new avenues for his e-commerce business. He had already allocated more advertising budget to emerging markets and was planning to expand his product line, even considering extending to more international platforms.
Confidence for the future
With Huma's continued expansion and the addition of more features, Li Jie believed he could better control the development of his business, no longer constrained by payment and cash flow issues. He planned to make Huma's PayFi network a long-term partner and one of the core elements of his business growth.
“If Huma continues to expand, it will help more sellers like me. It’s not just a payment tool; it’s a financial tool that enables us to operate faster and more efficiently,” Li Jie said with a smile, his eyes filled with anticipation for the future.
