In the global payment sector, the inefficiency of the traditional financial system has always been a pain point. Huma Finance is providing solutions to this problem through its innovative PayFi network.

The PayFi network utilizes blockchain technology and stablecoins to achieve instant settlement 24/7. This groundbreaking advancement addresses long-standing issues in traditional payment systems, such as merchants needing to wait 2-5 days for payment confirmation, suppliers facing payment terms of 60-90 days, and trillions of dollars being stuck in the settlement process.

Huma Finance's solution not only accelerates the payment process but also provides merchants, suppliers, and payment institutions with instant liquidity and fair revenue distribution opportunities. Through the on-chain credit platform, Huma Finance successfully connects accounts receivable with global capital markets, effectively eliminating cash flow uncertainty.

The platform has a wide range of applications, supporting various scenarios such as cross-border payments, credit card transactions, and DePIN financing. As of now, the platform has processed over $3.8 billion in transaction volume and maintains an impressive 0% default rate. More notably, Huma Finance's sustainable yield model can generate double-digit annual percentage yields (APY) through short-term receivables, allowing both retail and institutional investors to share in the profits traditionally enjoyed only by banks.

To ensure the security and reliability of the platform, Huma Finance has implemented measures such as institutional-level audits and multi-signature controls. Additionally, the platform has received endorsements from well-known organizations like Solana and Circle, further enhancing its credibility.

With the launch of Huma 2.0, the platform further opened up participation permissions, allowing regular retail users to participate in the investment pool by depositing USDC. To incentivize early users, the platform also introduced a points program, where depositing USDC can earn Huma Points.

Huma Finance's PayFi network is not just a payment accelerator; it is empowering small and medium-sized enterprises through decentralized finance, reducing their reliance on expensive financing methods. Through this innovative model, Huma Finance is gradually reshaping the global financial infrastructure, paving the way for a more efficient and equitable financial ecosystem.