@humafinance and attached topic tag #HUMAfinance❤️❤️❤️❤️❤️💥💥💥💥

Huma Finance is the world's first **PayFi (Payment Finance) protocol**, aimed at reconstructing the global payment system through blockchain and stablecoin technology. Its core solution addresses three major pain points of traditional finance: **payment delays** (such as cross-border settlements taking 3-5 days), **high intermediary costs** (SWIFT fees ranging from 1%-3%), and **low transparency**. Through on-chain liquidity pools and 24/7 stablecoin settlements, Huma provides efficient, low-cost financial infrastructure for merchants, workers, supply chains, and savers.

- **Strategic partnerships**: Supported by top institutions such as Solana, Circle, Stellar Development Foundation, and Galaxy Digital, it has processed **over 4.6 billion USD in transaction volume** and maintains a **zero default record**.

- **Market potential**: Targeting the global **30 trillion USD payment market**, covering high-demand scenarios such as cross-border payments, trade financing, and stablecoin credit cards.

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### ⚙️ **2. Technical Architecture and Product Features**

#### **Dual Architecture Design**

- **Huma Permissionless**: Designed for retail users, allowing participation in liquidity pools without KYC, achieving democratization of earnings.

- **Huma Institutional**: A compliant protocol that provides regulated accounts receivable asset opportunities for banks and funds.