𝗛𝘂𝗺𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗲 𝗕𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘁𝗵𝗲 𝗙𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗥𝗲𝗮𝗹 𝗪𝗼𝗿𝗹𝗱 𝗗𝗲𝗙𝗶 𝘄𝗶𝘁𝗵 𝗣𝗮𝘆𝗙𝗶
@Huma Finance 🟣 is redefining decentralized finance through its innovative PayFi network, a system designed to bridge the gap between real-world payments and on-chain lending. Instead of relying on over-collateralized crypto loans, Huma allows users to borrow against real income streams salaries, invoices, and remittances by analyzing future cash flows and enabling instant, smart contract-based access to capital.
At the core is the Time-Value-of-Money (TVM) model, which bases lending decisions on expected earnings rather than crypto holdings. This approach lets borrowers unlock 70–90% liquidity of their future revenue securely and transparently — making DeFi more practical, scalable, and inclusive.
Huma’s PayFi Stack underpins this vision with six integrated layers:
Transaction Layer – High-speed, low-cost L1s and L2s for secure, fast payments.
Currency Layer – Stablecoins and yield-bearing assets for stability and compliance.
Custody Layer – MPC and smart contracts for secure asset management and instant settlement.
Compliance Layer – On-chain identity and verification for global regulatory alignment.
Financing Layer – Capital deployment via tokenized assets and real-time risk management.
Application Layer – Developer-friendly tools for building scalable, compliant financial products.
As traditional finance struggles to keep pace, Huma Finance is creating the infrastructure for a future where payments and credit systems work seamlessly together accessible to everyone, everywhere.
