Huma Finance redefines payment financing. Huma Finance is a PayFi network focused on boosting payment efficiency with blockchain.
It uses stablecoins and on-chain credit to enable real-time cross-border payments and trade finance, tackling traditional finance’s delays. By 2025, Huma’s transaction volume exceeds $3.8 billion, with plans to hit $10 billion next year, showing market pull. The platform’s designed for practicality. Running on Solana and Polygon, it offers transaction costs as low as $0.00025 and 400ms settlement times. Businesses can convert receivables into instant liquidity, while providers earn steady yields, with Classic Mode offering 10.5% APY. The HUMA token powers the ecosystem. Users can vote, pay service fees, or earn rewards, fostering a tight-knit community backed by Circle and Stellar.
Down the road, Huma aims to cover more blockchains and launch new payment scenarios. Its goal is to make PayFi a core pillar of global finance.