đ„The PayFi Stack: Real-World Finance Meets DeFiđ„đ
@Huma Finance đŁ builds a modular PayFi network on Solana, combining on chain smart contracts with off chain real world credit models. Borrowers use tokenized invoices and future income as collateral, while LPs contribute stablecoins to finance these transactions.
The six layer architecture includes on chain settlement via Solana, custody and compliance (MPC, identity) real time credit underwriting, and APIs for developers.
Use cases include payroll lending, invoice factoring, and cross border payments settled with programmability and transparency.
With over $4.4B transacted via PayFi, Huma is scaling beyond DeFi yield into programmable real world payment services.
