Advantages: Huma Finance, as the first PayFi network open to everyone, enables 24/7 instant global payments through stablecoins, reducing transaction costs. Tokenized accounts receivable provide immediate liquidity, addressing cash flow issues for small and medium-sized enterprises. It is cross-chain compatible with Solana, Stellar, etc., with a transaction volume exceeding $3.8 billion, endorsed by Solana, Circle, and others.
Disadvantages: The market is highly competitive, facing challenges from PayPal, traditional banks, and others. There are technical risks associated with cross-chain transactions and smart contracts, such as congestion or vulnerabilities. The price volatility of the $HUMA token may affect returns, and liquidity risks have not been fully disclosed. Regulatory uncertainties may limit global promotion.
