"Huma Finance's 'Black Technology' in Web3 Payments" [Study]

Its PayFi network uses the TVM model, calculating 70-90% of the loanable amount based on future income such as wages and invoices, with smart contracts releasing funds in seconds, achieving an absurdly high efficiency. Huma 2.0 runs on Solana, enabling millisecond-level settlement, allowing capital to multiply dozens of times a year, while liquidity providers can earn 10-20% returns.

After merging with Arf, the platform has processed $1.8 billion in transactions, with zero defaults and a strong risk control system. Huma's modular architecture supports both retail and institutional models, with Classic Mode offering a 10.5% USDC yield, and Maxi Mode amplifying Feathers rewards. In the future, it will be on the Stellar Soroban network, enhancing cross-chain capabilities. PayFi's real-time settlement and unsecured lending feel like they could disrupt traditional finance, and with such a solid technical foundation, the potential for $HUMA looks quite significant.