🚀 The PayFi Stack: The Internet of Money
Legacy finance is outdated — slow transfers, expensive fees, and trapped liquidity.
Huma Finance’s PayFi Stack introduces a new framework: instant, programmable, and borderless financial infrastructure. Drawing inspiration from the OSI model of the internet, PayFi is structured into 6 layers:
1️⃣ Transaction Layer → High-speed, low-cost blockchains (e.g., Solana, Stellar)
2️⃣ Currency Layer → Stablecoins & yield-generating assets (USDC, USDM)
3️⃣ Custody Layer → Secure asset storage & management (MPC, smart contracts)
4️⃣ Compliance Layer → On-chain KYC/AML, aligned with global regulations (MiCA, Singapore)
5️⃣ Financing Layer → Tokenized assets & real-time credit markets
6️⃣ Application Layer → User-facing solutions (payments, lending, payroll)
👉 Why it matters: PayFi has the potential to unlock the $16T credit card market, $10T trade finance, and mobilize trillions in idle capital.
📊 Which PayFi advantage excites you the most?
⚡ Instant settlement
💳 Innovative credit & financing models
🌍 Global, borderless payments
✅ Compliance-first approach
