Huma Finance, as a benchmark project in the PayFi field, has its core value in reconstructing the efficiency and inclusiveness boundaries of traditional payment finance. From the perspective of industry pain points, the global $30 trillion payment market has long been constrained by high fees from traditional institutions (averaging 3%-5%) and cross-time zone settlement delays (1-3 days). Moreover, existing DeFi mainly focuses on purely on-chain assets, creating a disconnect with real economy payment scenarios.

Huma breaks through with its 'Blockchain + RWA' model: on one hand, its protocol stack connects cross-border clearing, trade financing, and other scenarios, processing $4.6 billion in transactions in two years, validating market demand; on the other hand, Huma 2.0, based on Solana's high TPS characteristics, compresses settlement time to seconds and reduces costs to below 20% of traditional systems, addressing previous performance bottlenecks of public chains.

More critically, its ecological logic: through a modular design of compliance layers, it meets regulatory requirements of different jurisdictions while reducing access barriers with a permissionless mechanism, allowing small and medium enterprises and individuals to share institutional-level financial tools. This balance of 'compliance + inclusiveness' could become a key paradigm for the implementation of Web3 payments and lays the groundwork for future integration of more real assets (such as supply chain invoices). #Humafinance $ETH #币安Alpha上新 @Huma Finance 🟣