@Huma Finance 🟣 is positioned as the world's first PayFi (Payment Finance) network, aiming to achieve real-time, transparent, low-cost payment settlement through blockchain technology and stablecoins (such as USDC). Here are its core features: Instant Settlement: Utilizing Solana's high-performance blockchain, Huma provides 24/7 payment settlement, addressing the 3-5 day cross-border payment delay issues in traditional finance.

No KYC Huma 2.0: Launched in April 2025, Huma 2.0 shifts from an institution-only licensing model to a no-KYC open architecture, allowing ordinary users to participate, democratizing institutional-level PayFi benefits.

Multi-layer Protocol: Huma's architecture includes a transaction layer (Solana), a currency layer (stablecoins), and a financing layer (accounts receivable-based liquidity pool), integrating the functions of banks, payment institutions, and factoring companies.

Zero Default Rate: As of 2025, Huma has processed $3.8 billion in transactions with a credit default rate of 0%, demonstrating its risk control capabilities and asset quality. #HumaFinanc