Huma Finance Building the Future of Real-World DeFi with PayFi ๐ฃ
@Huma Finance ๐ฃ is reimagining DeFi with PayFi, a groundbreaking model that bridges real-world payments with on-chain lending. Forget the old over-collateralized crypto loans PayFi lets users borrow against real income streams like salaries, invoices, and remittances, all secured by smart contracts for instant, transparent funding.
๐ก The Game-Changer: At its core is the Time-Value-of-Money (TVM) engine, which makes lending decisions based on expected earnings instead of volatile crypto holdings. Borrowers can unlock 70โ90% of future revenue safely and efficiently, making DeFi practical, inclusive, and scalable.
๐ The PayFi Stack โ Six Layers of Financial Innovation
1๏ธโฃ Transaction Layer โ High-speed L1/L2 chains for secure, low-cost payments
2๏ธโฃ Currency Layer โ Stablecoins & yield-bearing currencies for smooth settlements
3๏ธโฃ Custody Layer โ MPC + smart contract custody for instant asset control
4๏ธโฃ Compliance Layer โ On-chain KYC for global regulatory readiness
5๏ธโฃ Financing Layer โ Real-time capital deployment via tokenized assets
6๏ธโฃ Application Layer โ Developer tools for intuitive, compliant financial apps
While traditional finance struggles to evolve, Huma Finance is crafting a seamless system where payments & credit work hand-in-hand โ accessible to anyone, anywhere.