PayFi applications generate fees on payment transactions, and liquidity providers earn yield from borrower payments distributed across senior and junior tranches.

Huma Finance is a PayFi network that provides on-chain financing for real-world payment activity such as cross-border settlements, card payments, and payroll advances, with T+0 settlement. It combines Solana-based liquidity pools, a price oracle that tracks pool share tokens, and off-chain automation to fund payment receivables.

Liquidity providers supply capital to Huma's pools, while payment institutions and businesses borrow against payment-related receivables. Huma offers a permissionless version (Huma 2.0) for retail participants and Huma Institutional for permissioned participants.

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