In a recent interview with CoinDesk Japan, @Huma Finance 🟣 Co-Founder @0xErbil revealed how PayFi, powered by Huma’s infrastructure, is reshaping the landscape of digital payments starting with Amazon merchants across Asia.
Unlocking the True Value of PayFi
PayFi, built on Huma’s on-chain income finance protocol, is designed to solve one of the biggest challenges merchants face: delayed access to earnings. Traditional settlement systems often force sellers to wait days or even weeks before receiving payouts. For Amazon merchants operating on thin margins and high-volume sales, these delays can be critical roadblocks to growth.
By leveraging stablecoins and Huma’s real-time payment rails, PayFi ensures that merchants can access their earnings instantly ,providing liquidity, reducing reliance on costly short-term loans, and allowing sellers to reinvest in inventory and business operations without delay.
One Million Stablecoins in Motion
The milestone of one million stablecoins processed marks a significant step forward, not only for PayFi but also for the broader vision of financial inclusion across Asia. With stablecoins offering speed, transparency, and borderless transferability, merchants now have a reliable alternative to traditional banking systems, which are often slow and expensive in cross-border commerce.
Why It Matters for Asian Amazon Merchants
Asia is home to one of the fastest-growing bases of e-commerce entrepreneurs. Many rely on platforms like Amazon for global distribution but face barriers in accessing capital and fast payments. PayFi’s integration with Huma’s infrastructure bridges this gap by:
Providing real time liquidity through stablecoin payouts.
Reducing payment friction in cross border transactions.
Expanding financial access to merchants underserved by traditional banks.
The Bigger Picture: Huma and On Chain Income Finance
Huma is pioneering a new category of DeFi called on-chain income finance, where future income streams can be tokenized and leveraged for credit, liquidity, and growth. This model is particularly powerful for merchants, freelancers, and gig workers, as it transforms income into an immediately usable financial asset.
By embedding these capabilities into PayFi, Huma is not only modernizing payments but also building the foundation for a more equitable global financial system,one where a small business in Jakarta or Manila has the same real-time access to capital as a large enterprise in New York or London.
Looking Ahead
With over one million stablecoins already processed and adoption growing rapidly, PayFi is poised to become a cornerstone of merchant finance in Asia. As @0xErbil highlighted in his interview, this is just the beginning: the long-term vision is to empower millions of entrepreneurs worldwide with faster payments, better access to liquidity, and more control over their financial future.
