Huma Finance (HUMA) Key Summary
Huma Finance (HUMA) is the first PayFi (Payment Financial) network designed to enable global payment institutions to settle transactions using stablecoins and on-chain liquidity 24/7. This approach brings speed, transparency, and efficiency to the traditionally slow financial infrastructure. Since its inception, Huma has processed over $3.8 billion in transaction volume.
Unlike traditional banks or payment systems that often take days to complete transaction settlements, Huma utilizes blockchain technology and stablecoins to achieve instant payment settlements around the clock.
Huma's core objective is to address a significant issue: the slow, fragmented, and costly nature of the global financial system. Merchants may have to wait days to receive payments, suppliers often face lengthy payment cycles, and cross-border remitters lose significant amounts of money due to high fees and delays.
Huma Finance is built on a three-layer blockchain protocol:
● Transaction Layer: Achieves instant settlements relying on the high-performance Solana network
● Currency Layer: Integrates stablecoins like USDC to mitigate foreign exchange volatility risks
● Financing Layer: Businesses can obtain instant liquidity from a decentralized funding pool through on-chain credit instruments (such as accounts receivable)
