🧱 The PayFi Stack: Huma’s Six-Layer Infrastructure Model
What makes Huma Finance more than just another lending platform? Its robust architecture: a six-layer “PayFi Stack” designed to bring institutional-grade finance on-chain.
Here’s the breakdown:
Transaction Layer: Built on Solana and Stellar, enabling high-throughput, low-cost processing.
Currency Layer: Supports multiple stablecoins like USDC, PYUSD, and USDM for real-world denominated yield.
Custody Layer: Uses MPC via Fireblocks and Cobo, alongside smart contract vaults.
Compliance Layer: Integrates Chainalysis, Elliptic, and KYC/AML frameworks (MiCA, MAS) for risk-filtered flows.
Financing Layer: Offers RWA tranching, receivables scoring, and real-time dashboards.
Application Layer: Powers BNPL, P2P lending, and merchant liquidity gateways.
This OSI-style modularity allows seamless integrations with Visa, Kamino, Jupiter, and more—making Huma’s stack not just secure and scalable, but plug-and-play for fintech.
It’s DeFi infrastructure that’s ready for real-world adoption.
