Cross-Border Payments: Instant, 24/7 Settlement
A cornerstone of Huma is enabling real-time global payments using stablecoins. Traditional cross-border transfers take days and incur high fees, but Huma’s PayFi network can settle payments 24/7 with digital dollars
In practical terms, a global payment institution or marketplace can tap Huma’s liquidity pool and release funds immediately. For example, with partners Arf and Geoswift, Huma now powers same-day payouts for e‑commerce sellers, replacing the old T+3–T+5 delay with instant settlement
This T+0 capability reduces capital lock-ups and mitigates currency risk for businesses. The key enablers are blockchain rails (like Solana, Stellar) and trust-minimized stablecoins (like USDC) to move value across borders. By eliminating the need for pre-funding in each country, Huma’s solution dramatically cuts costs and latency in remittances and trade payments. In effect, Huma turns every border into a local payment, boosting liquidity and cash flow for merchants worldwide
