TimionDegen

Humafinance is the first PAYFI network on Solana and they just quietly processed $10 billion in transaction volume and nobody's talking about it enough

Bet on @Huma Finance 🟣

1⃣ What $10B TTV really shows

This milestone points to three things clearly:
• strong demand for onchain payment financing
• liquidity that is deep enough to support repeat usage
• real businesses routing payment activity through Huma

Global payments are measured in quadrillions per year. PayFi is being built to serve that flow, and Huma is already operating inside

2⃣ Circle and USDC alignment

Huma is a Circle Alliance Member and built closely around USDC liquidity.

Timeline matters here:
• 2023: Huma partnered with Circle to bring USDC financing solutions to market
• 2024: payment partners like Arf and Rain scaled using Huma liquidity
• TTV moved past the first $1B milestone
• USDC became the core settlement asset across these flows

Huma also became the first embedded credit solution for the Circle Payments Network, providing instant liquidity when institutions need to settle USDC payments.

3⃣ Stablecoin adoption is accelerating

Recent onchain data shows stablecoin transaction volume crossing the $10T mark, with USDC processing the majority share.

Huma grows alongside that trend by supplying financing at the moment payments happen:
• faster settlement for payment companies
• working capital without long bank delays
• onchain visibility for flows

4⃣ Why Huma is seen as the PayFi leader

Huma focused early on payment specific use cases:
• cross border remittance providers
• card issuing programs
• merchant settlement flows
• trade and B2B payment cycles

That focus helped volume grow faster than general purpose RWA lending models because usage repeats daily, not occasionally.

5⃣ PST Stability & Real Yield

PST is the yield-bearing token backed by these real-world payment flows. Through market volatility, crashes, and depeg scares across the broader market, PST maintained its peg consistently around $1.04 to $1.06.

The track record speaks for itself:
• $10 billion in total transactions
• Zero defaults
• Yield generated from actual payment fees

Semua orang terus bertanya kapan pembayaran akhirnya akan pindah ke on-chain. Sementara itu, Huma dengan tenang telah melampaui $10 miliar dalam total volume transaksi, dan tonggak ini membuktikan bahwa PayFi tidak akan datang di masa depan, itu sudah berfungsi sekarang.
Angka yang Penting:
Huma memproses $10 miliar dalam Total Volume Transaksi. Ini bukan TVL yang terletak di kolam atau metrik yang dibesar-besarkan. Ini mewakili bisnis nyata yang menggerakkan uang nyata untuk pembayaran lintas batas, penyelesaian pedagang, dan operasi pembiayaan perdagangan.
Pertumbuhan adalah yang mencolok. Huma meningkat dari $2,9 miliar menjadi $10 miliar dalam satu tahun, yang merupakan pertumbuhan 3,4x dalam aliran pembayaran nyata. Bahkan lebih mengesankan adalah catatan tanpa gagal dalam semua transaksi tersebut. Ketika Anda memproses miliaran dengan riwayat pembayaran yang sempurna, itu adalah manajemen risiko tingkat institusi yang berfungsi seperti yang dirancang.