The Real Significance of the PayFi Model
The global financial market has long been characterized by a "binary divide"—traditional finance is anchored in reality but inefficient, while crypto finance is efficient yet detached from real needs. A large number of freelancers, cross-border workers, and small and micro enterprises are unable to obtain financing, resulting in a gap in financial services.
Huma Finance's PayFi network provides unsecured loans by using future income as a credit anchor. Users' wages, orders, invoices, and other income can directly serve as the basis for loans, with smart contracts automatically determining limits and repayments, achieving seamless integration of financing and income.
In cross-border trade, exporting companies can obtain immediate financing based on invoices, improving cash flow efficiency; cross-border workers' wage remittances arrive in seconds, with very low fees, and they can access emergency funds instantly; small and micro enterprises can secure loans based on cash flow, breaking the high barrier restrictions of traditional banks.
PayFi builds a complete ecological closed loop: income equals credit, financing equals payment, repayment equals liquidity cycle. Huma Finance uses technology and business innovation to financialize real income, providing fair and efficient financial services for more people who have income but no assets, and promoting financial inclusion into a new stage.