In today's global financial system, the inefficiency of traditional payment methods has become a major obstacle to business development. Merchants have to wait several days to receive payments, and suppliers must endure payment cycles lasting several months, while high cross-border remittance fees are even more discouraging. However, with the rise of Blockchain technology, a payment revolution is quietly unfolding.

Huma Finance, as the world's first PayFi network, is fundamentally changing this situation through its innovative technological solutions. The platform utilizes stablecoins (USDC) and on-chain liquidity to achieve 24/7 instant settlement capabilities. It is reported that Huma Finance has successfully processed over $3.8 billion in transactions while maintaining a zero default rate, and it is expected that the transaction volume will exceed $10 billion next year.

The Huma Finance platform not only connects accounts receivable with global capital but also supports various scenarios such as cross-border payments, credit card settlements, and trade financing, effectively enhancing the capital flow efficiency for merchants, suppliers, and individuals. In April 2025, Huma Finance launched an open-access liquidity pool on Solana, allowing ordinary investors to earn substantial annual returns by depositing USDC. It is worth mentioning that the platform ensures fund security through technologies such as smart contracts and multi-signature, and has gained recognition from well-known industry institutions like Solana and Circle.

At the same time, Huma Finance is actively expanding its business boundaries. By cooperating with traditional financial giants such as BlackRock and Franklin Templeton, Huma has launched tokenized Real World Asset (RWA) services, allowing users to compliantly invest in traditional financial products like stocks and bonds. This innovative initiative successfully brings the stable returns of traditional finance into the Blockchain world.

In terms of ecosystem construction, Huma has integrated Arf's cross-border payment technology and expanded its cross-chain capabilities through partnerships with Stellar and Solana. This has reduced Huma's transaction costs to $0.00025 and shortened confirmation times to 400 milliseconds, greatly improving payment efficiency.

Huma Finance's vision is to bridge the liquidity gap of traditional finance, providing faster and fairer financial services for global merchants, households, and businesses. As its PayFi network continues to grow and improve, we have reason to believe that a true payment revolution is quietly emerging, and Huma Finance will undoubtedly play a key role in this revolution.