When it comes to cross-border transfers, many people probably have headaches: the fees can be several transactions, the money takes several days to arrive after being transferred, and sometimes you have to keep a sum of money locked up and unable to move.

In fact, it's not just us who find it troublesome; the entire cross-border payment market is so large every year, and these high-cost, low-efficiency issues have never been completely resolved. @humafinance is specifically here to solve these problems.

1. What is Huma Finance?
It is a decentralized platform dedicated to PayFi (Payment Finance), which connects traditional finance and DeFi using blockchain technology.

The benefits are straightforward: transfers arrive instantly, fees have also decreased significantly, and all transactions are recorded on the blockchain, making it easy to check at any time, very convenient.

It has a core product called PayFi Stack, which is quite practical as it can help payment companies advance part of the margin and allow investors' money to flow securely on the chain.

II. Why is it worth paying attention to?
1⃣The team and capital are reliable:
The founding team has a strong background, having worked at major companies like Facebook and Lyft. They understand both the internet and finance, and they have successfully raised over 40 million dollars, with investors being major institutions in the industry. This indicates that there is a lot of optimism about it.

The business is solid and real:
The model is simple: investors deposit USDC, and they can earn a 10.5% return over a year. This money is loaned to licensed payment companies as working capital, and the payment companies will return the money after making a profit.

3⃣ Large market potential:
The cross-border payment market is enormous, expected to exceed 250 trillion USD by 2030.

Huma solves the issue of frozen funds, with over trillions of dollars frozen by global payment companies, creating a huge demand. Its PayFi track combines the transparency of DeFi with the compliance of traditional finance.

3. How to play Huma 2.0?
1⃣Classic Mode:
Deposit USDC to earn a 10.5% annual interest rate, updated monthly, and also receive Huma Feathers, suitable for those seeking stability.

2⃣ Maximum Mode:
No interest, specifically earning Feathers, during events you can earn up to 25 times the usual amount, suitable for those who want to earn more feathers.

Additionally, the two modes can be switched freely with just a small network fee. For deposits, you can choose 3 months or 6 months; the longer you stay, the more Feather rewards you get. However, be aware that early withdrawals will incur a penalty on the rewards.

Overall, the @humafinance project feels quite practical, addressing many of the hassles of cross-border transfers. Whether you want to steadily earn some returns or want to try out more Feathers, there are suitable ways to play. For those who frequently deal with cross-border payments or are looking for a reliable investment, it's worth paying more attention.
#HumaFinance