Real Yield from
Real Payment Flows

  • $17B+Total Transaction
    Volume
  • $244M+Total Active
    Liquidity
  • 3+Years Onchain
    Credit Performance
  • 0%Credit Default
  • $17B+Total Transaction
    Volume
  • $244M+Total Active
    Liquidity
  • 3+Years Onchain
    Credit Performance
  • 0%Credit Default

Ways to access Real Yield

  • PayFi Strategy
    Token

    Earn structured yield powered by cross-border payments and trade finance.

    APY

    8%

  • Huma
    Prime

    A Defensive Looping™ strategy vault that leverages yield from the PayFi Strategy Token.

    APY up to

    15.7%

  • Huma
    Institutional

    Designed for institutional capital providers seeking exposure to payment-flow-backed yield.

Sustainable Yield Premium

Uncorrelated to crypto markets — perfect for looping

Comparison yield data sourced from RWA.xyz and Galaxy.

Where our Real
Yield comes from

Cross-Border Payment Financing

Huma’s primary vertical, powered by its Swiss-regulated entity Arf, provides settlement liquidity to licensed financial institutions and money service businesses, enabling T+0 cross-border settlements. Each transactional credit is repaid within 1 to 7 days and backed by funds already deposited into safeguarding accounts.

Trade Finance

Partnering with TradeFlow Capital Management, a Singapore-headquartered specialized investment advisor, Huma finances physical commodities and goods in transit. These transactions involve legal ownership of the physical cargo, are fully insured, and typically settle within 30 to 90 days.

Marketplace Payouts

Partnering with Geoswift, Huma accelerates marketplace sellers’ payouts with stablecoin liquidity available on demand, helping sellers access funds faster.

  • Cross-Border Payment Financing

    Huma’s primary vertical, powered by its Swiss-regulated entity Arf, provides settlement liquidity to licensed financial institutions and money service businesses, enabling T+0 cross-border settlements. Each transactional credit is repaid within 1 to 7 days and backed by funds already deposited into safeguarding accounts.

  • Trade Finance

    Partnering with TradeFlow Capital Management, a Singapore-headquartered specialized investment advisor, Huma finances physical commodities and goods in transit. These transactions involve legal ownership of the physical cargo, are fully insured, and typically settle within 30 to 90 days.

  • Marketplace Payouts

    Partnering with Geoswift, Huma accelerates marketplace sellers’ payouts with stablecoin liquidity available on demand, helping sellers access funds faster.

Institutional-grade by Design
Verifiable by Default

  • Radical Transparency

    Real-time onchain visibility with independently verifiable credit performance. Dual-layer validation for every loan lifecycle and repayment through auditing partners.

  • Institutional-Grade Compliance

    Compliant by design across permissioned and permissionless structures. Built on licensed counterparties and rigorous AML enforcement.

  • Rigorous Risk Management

    Zero credit losses since inception. Industry-leading underwriting and structuring. Secured by top-firm audits, multisig governance, and end-to-end threat monitoring.

Led by the
Pioneers of PayFi

One open infrastructure layer — liquidity, settlement, and capital, assembled from the ground up.

PayFi Stack

Transaction Layer

Ensures efficiency and security in transactions through high-speed, low-cost blockchains (L1s and L2s).

PayFi Stack

Currency Layer

Facilitates seamless, stable, and compliant payments with stablecoins and yield-bearing currencies.

PayFi Stack

Custody Layer

Manages secure asset ownership and real-time settlements through advanced solutions like MPC and smart-contract-based custody.

PayFi Stack

Compliance Layer

Integrates global regulations using onchain identity to ensure regulatory adherence.

PayFi Stack

Financing Layer

Connects capital with demand through transparent, tokenized assets and risk management on the blockchain.

PayFi Stack

Application Layer

Provides the infrastructure for building intuitive and compliant financial applications using the stack's capabilities.

  • Cross-Border Payments
  • Trade Finance
  • Credit Cards
  • Merchant Payouts
  • FX

Modern Payments Need Modern Infrastructure

“Tokenization is becoming a crucial piece of financial infrastructure. Huma is supporting that shift with working rails for payment financing, built to the discipline institutional capital requires. They have been an excellent partner for Sentora, and we are glad to be building alongside them.”
Anthony DeMartinoCEOSentora