Trillions of dollars sit idle because the financial infrastructure is outdated. We need to connect global payments with real‑time settlement. That's where @humafinance comes in. It's the first PayFi network designed to move money as fast as the internet. What is Huma Finance? Huma is creating a new standard for payments by connecting global payment institutions to stablecoins and onchain liquidity. This allows merchants to wake up to sales already settled, suppliers to get paid the moment goods are shipped, and families to send money home in seconds without losing fees to middlemen. Huma has already processed $5.5B+ in transaction volume and delivers 10% APY for liquidity providers. Huma runs two products: 1) Huma: Open to all, allowing anyone to join liquidity pools and earn yield 2) Huma Institutional: For accredited investors, delivering receivables‑backed credit within a regulated framework Liquidity providers deposit stablecoins, and Huma deploys them to accelerate payments. The result → businesses get faster liquidity, families save money, and LPs earn yield The PayFi Stack > Transaction (fast blockchains) > Currency (stablecoins, programmable money) > Custody (secure asset management) > Compliance (onchain regulation) > Financing (tokenized credit) > Application (consumer & business apps) This six-layer stack is open and modular, so anyone can build on it. Two ways to participate: 1) Classic Mode: stable yield + Huma Feathers rewards 2) Maxi Mode: sacrifices APY in exchange for boosted Huma Feathers Both modes are flexible and can be switched based on your wants. Huma is building a financial network that operates like the internet: instant and global.