In the past two years, the topic of payment has received increasing attention, whether it is cross-border Settlement, Digital Money payment, or various on-chain financial attempts, everyone is looking for a faster, more transparent, and time-unrestricted solution.

■However, traditional financial infrastructure is still very slow:
International transfers take several days, have high fees, and the process is not transparent enough. However, stablecoins and on-chain liquidity in the crypto world have provided alternatives, but there has always been a lack of a unified payment network that can piece these together.

This is the reason for the emergence of PayFi, which is different from what people used to say about DeFi. PayFi emphasizes the payment layer more; it is not about trading coins or high-risk leverage, but rather truly using stablecoins and on-chain liquidity in daily payments, settlements, and fund transfers.

It can be understood as: an upgrade of the payment system in the financial sector, allowing funds to flow freely around the clock.

In this track, Huma is one of the faster projects, positioned as the first PayFi network with a clear goal: to help global payment institutions conduct Settlement using stablecoins, thereby bypassing the slow pace and high costs of traditional clearing networks.

Huma has received support from partners such as Solana, Circle, Stellar Development Foundation ( SDF ), and Galaxy Digital, processing a cumulative transaction volume of over 3.8 billion dollars, and providing stable returns for liquidity providers.

■More importantly, Huma already has practical application cases.
Recently, it collaborated with ArfOne and Geoswift to launch a new Settlement solution that allows merchants on global e-commerce platforms to receive funds on the same day. It may sound like a detail, but it has a significant impact on cross-border sellers.

In the past, designers, programmers, or outsourced teams had to wait 1 to 3 days for funds to arrive after delivering work to clients in Europe and the United States, and there could be further delays due to bank clearing days. With PayFi, Settlement can be completed instantly on a global scale, so that funds can arrive at the same time the work is completed.

■The implementation of this model relies on three aspects: making cross-border capital flow closer to real-time.
◇Huma PayFi Network: Provides scalable liquidity infrastructure
◇Arf: Responsible for compliance Settlement
◇Geoswift: Inject funds into the recipient's account at the moment the instruction is initiated.

Overall, Huma has not only proposed the concept of PayFi but is also turning it into a practically usable infrastructure through collaboration with industry partners.

In the future, whether it's cross-border freelance settlements, automated payments from AI Agents, or on-chain salary disbursements, these scenarios could all become application directions for Huma #HumaFinance.