๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐ ๐๐ฎ๐ข๐ฅ๐๐ข๐ง๐ ๐ญ๐ก๐ ๐ ๐ฎ๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข
HumaFinance is redefining decentralized finance with its PayFi network, a system that bridges real-world payments and on-chain credit access.
Instead of relying on over-collateralized lending, Huma enables users to borrow against income streams like salaries, invoices, and remittances. Using the Time-Value-of-Money (TVM) model, borrowers can unlock 70โ90% of future revenue instantly and transparently via smart contracts.
The PayFi Stack: Six-Layer Infrastructure
Transaction Layer โ Fast, low-cost L1s & L2s
Currency Layer โ Stablecoins & yield-bearing assets
Custody Layer โ MPC + smart contract settlement
Compliance Layer โ On-chain identity & verification
Financing Layer โ Tokenized assets + real-time risk tools
Application Layer โ Developer-ready apps & interfaces
Why It Matters
As traditional finance struggles to adapt, Huma is laying the foundation for scalable, inclusive, and compliant financial systems. With PayFi, payments and credit finally work in sync โ accessible to everyone, everywhere.
