After reading @Huma Finance 🟣 blog, I’m impressed by the PayFi Stack—a six-layer blueprint that could seriously disrupt traditional finance. The transaction layer uses fast blockchains like Solana to settle payments in ~400 ms. The currency layer relies on stablecoins (USDC, PYUSD) for stability, while the custody layer leans on Fireblocks for secure asset protection. The compliance layer uses Chainalysis to reduce AML risks. The financing layer turns invoices into immediate cash, and the application layer supports practical cross-border payment and trade finance use cases.
Launched in July 2024, the stack has already processed $3.8 billion proof it’s more than theory. By tackling slow, costly transfers and the $40 trillion stuck in prepaid accounts, Huma aims to move money as fast as information. The $HUMA token (10 billion supply) enables governance and 10.5% staking yield, giving ordinary users a real stake in the system. With ambitions to address a $10 trillion market, the PayFi Stack makes Web3 finance feel tangible and impactful. #HumaFinance $HUMA
