Today's financial systems were built for the past, not the future. We need new payment systems equipped to scale that are instant, programmable, and borderless.

Key Takeaways:

Huma pioneered an open framework for the PayFi Stack, divided into six layers to facilitate payment financing solutions globally.Transaction Layer: High-speed, low-cost blockchains (L1s and L2s) ensure efficiency and security in transactions.Currency Layer: Stablecoins and yield-bearing currencies facilitate seamless, stable, and compliant payments.Custody Layer: Advanced solutions like MPC and smart contract-based custody manage secure asset ownership and real-time settlements.Compliance Layer: Integrates global regulations using on-chain identity to ensure regulatory adherence.Financing Layer: Connects capital with demand through transparent, tokenized assets and risk management on the blockchain.Application Layer: Provides the infrastructure for building intuitive and compliant financial applications using the stack's capabilities.

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