PayFi vs DeFi: Understanding the Difference

Huma has launched a **transparency dashboard** powered by Accountable Data, making institutional yield fully verifiable onchain. The dashboard provides independent verification of: - **Daily outstanding facilities** - total capital deployed across Arf's active facilities, verified against onchain loan book and attestations from Swiss audit firm Wadsack - **Monthly origination and payback volume** - deal flow moving through Huma's infrastructure - **Monthly turnover rate** - capital recycling speed for yield compounding - **PST reserves and Arf's receivables** - independently verified The system brings deeper insights into Arf, described as the largest asset powering Huma's PayFi yield. This represents a significant step toward complete transparency in DeFi institutional lending. View the dashboard: [huma.accountable.capital](https://huma.accountable.capital/)

Huma Finance has opened its Prime vault for public deposits following $13B in PayFi transaction volume on Solana. **Key Details:** - Prime vault now accessible to all users - Offers up to 16.8% APY through Defensive Looping strategy - Leverages real yield from $PST token - Built on Solana's PayFi infrastructure The vault represents one of the largest real-world stablecoin use cases on-chain. Huma's PayFi network focuses on financing global payment flows with instant, capital-efficient, and borderless transactions. The platform's financing layer includes risk pricing, asset structuring, tokenization, and distribution capabilities for enterprise-scale payment processing.

**Panel Discussion on Next-Gen Payments** A panel titled "Next Generation Global Payments on Solana" is scheduled for Thursday, February 12 at 16:55-17:15 during Solana Accelerate APAC. **Participating Projects:** - Drift Protocol - Paga - Perena - Unitas Labs - Solayer Labs - Reap Global The discussion will focus on payment innovations being built on the Solana blockchain, with APAC positioned as a key region for next-generation payment solutions.

**PayFi adoption accelerates globally** as institutional and payment sector demand grows significantly following recent regulatory developments. Key developments from Binance Blockchain Week: - **Genius Act** unlocked major institutional interest in PayFi solutions - **Geographic expansion** from U.S. markets into Middle East regions - **T+0 settlements** positioned as the future standard for payment processing The momentum represents a shift toward **instant settlement infrastructure** that could reshape traditional payment financing systems.

Jessica (@jessc2049) has been recognized as one of the **top 35 key crypto hires** in the industry. She's strengthening the company's mission to bring **PayFi global** by focusing on: - Partnerships with financial institutions - Collaborations with fintech companies - Business expansion across APAC region The team is actively networking at **Binance Blockchain Week**, connecting with industry professionals interested in PayFi's potential to transform global financial markets. *Visit booth G9 for limited merchandise and team discussions.*