Why Huma?

Information moves at the speed of light. Markets never sleep. Yet finance lags behind—slow, closed, fragmented. Merchants wait days for payment. Suppliers endure 60–90 day payment terms. Families lose money to remittance fees. Trillions are stuck in settlement limbo, and outdated systems like SWIFT keep global commerce crawling.

Traditional banks aren't just slow—they're structurally unfair. They collect deposits from everyone, earn yield by deploying that capital into credit markets, and return almost nothing to the original depositors. The bulk of the value goes to shareholders as dividends, and what's remaining is siphoned off to cover bloated overhead, layers of bureaucracy, and executive bonuses. The system extracts far more than it gives.

The infrastructure behind the global economy is broken. We need a leap forward.

Every great leap has come from connecting what was once siloed—electricity, the internet, and now, finance. Stablecoins have proven that money can move instantly, without borders or friction. PayFi builds on that promise to create a new financial standard—faster, fairer, and always on.

As the first PayFi Network, Huma is making this standard a reality. We provide the modern infrastructure that finally synchronizes money movement with modern commerce through real-time settlement.

Imagine a world where merchants wake up to sales already settled. Suppliers get paid the moment goods ship. Migrant workers send money home in seconds, without middlemen or excessive fees. And savers don't just park their money—they earn real yield transparently, without banks skimming most of the value. Yield is no longer reserved for the few—it's available to everyone on equal terms. Capital flows freely. Supply chains move faster. Families keep more of what's theirs. Growth is no longer gated by inefficiency.

SWIFT? Obsolete. Pre-funded accounts? Gone. Middlemen? Replaced.

PayFi is accelerating this transformation.

And Huma is making it happen - driven by its mission: to accelerate the movement of money for a world that's always on.