#humafinance nce.

Key Features and Services:

* Programmable Payments: Lending agreements and payment flows are encoded into smart contracts, enabling efficient and secure settlement.

* On-Chain Underwriting: Huma uses off-chain data to assess borrower risk and allocate capital, moving beyond purely crypto-native collateral.

* Real-time Liquidity: It provides on-demand liquidity for licensed financial institutions to settle cross-border payments in real-time.

* Digital-Asset Backed Credit Cards: Huma aims to support solutions for corporate cards backed by digital assets, offering seamless fiat transactions and enhanced security.

* DePIN Financing: It empowers decentralized physical infrastructure networks with innovative financing solutions.

* Yield Generation: The yield generated through Huma's PayFi network comes from real-world payment financing activities like global settlement, card payments, and trade finance.

How it Works (simplified):

Huma Finance operates on a multi-layer blockchain protocol, often built on high-performance networks like Solana.

* Transaction Layer: Utilizes fast blockchains for instant settlement.

* Currency Layer: Integrates stablecoins (e.g., USDC) to reduce foreign exchange volatility.

* Financing Layer: Businesses can obtain immediate liquidity from decentralized capital pools using on-chain credit credentials based on real-world income