In the TradFi system, companies often have to wait several days to receive accounts receivable, which not only restricts cash flow but also increases operational costs. However, with the development of Blockchain technology, a new payment model is emerging—PayFi.

As a pioneer in the PayFi sector, Huma is leveraging Blockchain and stablecoin technology to fundamentally change the way businesses receive payments. Through Huma's innovative system, companies can convert accounts receivable or invoices directly into instantly available cash flow. This process is completed in just a few seconds, significantly improving capital turnover efficiency and enabling businesses to manage cash flow more flexibly.

Huma's operation model is mainly divided into two tracks:

1. Huma Institutional: This is an advanced version aimed at institutions and professional investors. It requires strict KYC (Know Your Customer) and KYB (Know Your Business) verification, suitable for large enterprises that require complex approval processes. This version focuses on handling real-world assets (RWA).

2. Huma 2.0: This is the retail version scheduled for release in April 2025. It features participation without KYC verification, lowering the entry barriers for ordinary users. Users can deposit stablecoins and choose different participation modes to earn rewards.

Huma's technical architecture adopts a six-layer system, ranging from the underlying Blockchain support (such as Solana) to the top-level application interfaces, covering key aspects like stablecoin clearing, compliance modules, and data processing. This comprehensive architectural design enables Huma to seamlessly integrate transaction flows, currency flows, custody, compliance, financing, and applications, building a complete PayFi ecosystem.

Through this innovative payment solution, Huma is driving global payment institutions to achieve 24/7 uninterrupted instant settlement. This not only improves the efficiency of fund utilization but also provides businesses with greater flexibility in financial management. As PayFi technology continues to evolve, we can foresee that future payment methods will be faster, safer, and more convenient, bringing revolutionary changes to global commerce.