๐๐๐บ๐ฎ ๐๐ถ๐ป๐ฎ๐ป๐ฐ๐ฒ: ๐๐ป๐ฎ๐ฏ๐น๐ถ๐ป๐ด ๐ฅ๐ฒ๐ฎ๐น-๐ช๐ผ๐ฟ๐น๐ฑ ๐๐ฒ๐๐ถ ๐๐ต๐ฟ๐ผ๐๐ด๐ต ๐ฃ๐ฎ๐๐๐ถ
HumaFinance is reshaping decentralized finance with its PayFi network, a groundbreaking model that bridges the gap between real-world payments and blockchain-based lending. Instead of depending on over-collateralized loans, Huma unlocks the ability for users to borrow against actual income streams like salaries, invoices, or remittances powered by automated, smart contract-based financing.
Central to this system is the Time-Value-of-Money (TVM) principle, which makes lending decisions based on future income expectations rather than crypto collateral. This approach enables borrowers to access 70โ90% of their projected revenue, transparently and securely, opening the door to inclusive and scalable real-world DeFi.
The PayFi Stack โ Six Layers of Innovation
Humaโs financial infrastructure runs on a six-layer PayFi Stack, designed to deliver efficiency, compliance, and developer flexibility:
Transaction Layer โ High-speed, low-cost L1s & L2s for seamless settlements.
Currency Layer โ Stablecoins and yield-bearing assets for reliable payment flows.
Custody Layer โ MPC and smart contract custody for secure asset handling.
Compliance Layer โ On-chain identity & regulatory alignment for global standards.
Financing Layer โ Capital deployment via tokenized assets and real-time risk models.
Application Layer โ Tools for building scalable, user-centric financial apps.
The Bigger Picture
As legacy finance struggles to keep pace, Huma Finance is setting the foundation for the future where credit and payments align seamlessly on-chain. Its PayFi infrastructure ensures financial access that is transparent, scalable, and designed for everyone, everywhere.
