【Is the PayFi Era Coming? Huma Finance is Restructuring the New Global Credit Ecosystem】
While traditional finance is still struggling with the efficiency of cross-border payments and credit thresholds, @Huma Finance 🟣 has already entered the spotlight with the brand-new concept of "PayFi"—as the world's first infrastructure network that integrates payment and financing, it is using blockchain technology to solve a core problem: transforming real-world income and receivables into credible credit evidence on the chain.
For small and micro enterprises, a receivable awaiting settlement may mean a cash flow break, but within the Huma Finance network, these real transaction records can be validated on-chain to become financing credentials, eliminating the need for lengthy qualification reviews; for freelancers, stable income streams can now be more than just numbers on a bank statement, but a "passport" for obtaining flexible credit support. This model, which deeply binds "payment scenarios" with "financing needs," breaks the disconnect between payment and credit in traditional finance.
Currently, Huma Finance is building a more open PayFi ecosystem through technological innovation, whether it is payment settlement in cross-border trade or short-term funding turnover for local merchants, this network could provide more efficient solutions. Perhaps it won't be long before "financing directly with income data" becomes the new financial norm.
