PayFi vs DeFi: Understanding the Difference

**Huma Finance** has processed over **$7 billion** in transactions with **93,000+ depositors** on its PayFi network, showing continued acceleration. The platform has partnered with **Four Pillars**, Korea's leading research institution, to publish an in-depth analysis of how Huma's PayFi network connects: - Payment systems - Credit facilities - Real-world liquidity This collaboration aims to drive the next phase of **on-chain stablecoin growth**. **How Huma's PayFi Works:** - Provides stablecoin liquidity to payment institutions - Businesses pay daily fees for access - Capital gets repaid and recycled quickly (1-5 days typically) - Liquidity providers earn sustainable yields above 9% The research report covers Huma's PayFi technology stack and system architecture in detail. [Read the full Four Pillars research report](http://docsend.com/v/j685s/fourpillars-huma--leading-payfi-on-the-stablecoin-frontier--en)

**Policy landscape shifts dramatically** as new administration brings fresh opportunities for crypto regulation. Seth Hertlein, Ledger's VP of Global Policy, highlighted at PayFi Summit Singapore that **"people are policy"** - and those people have fundamentally changed. **Key challenge ahead:** - Build lasting policies that survive political transitions - Anchor regulations through proper legal frameworks - Move beyond administration-dependent approaches The comments came during a panel on Global Digital Asset Policy and Regulation Developments, suggesting the crypto industry now faces unprecedented regulatory opportunities. [Watch full panel discussion](https://youtu.be/RfnmQJQSnTI)

**PayFi Summit Singapore** announces its latest speaker lineup featuring key policy and regulatory voices: - **Patrick Campos** - CBO - **Seth Hertlein** - Global Head of Policy at Ledger - **Peter Loo** - Former Vara Dubai Regulator & General Counsel - **Merris Badcock** - VP of Industry Relations at Digital Chamber The summit focuses on **stablecoins, policy, and payments** infrastructure. Co-hosted with Solana Foundation during TOKEN2049. 📍 **October 1 | Mandarin Oriental, Singapore** [Register now](https://lu.ma/6z717qxo)

Huma has announced the launch of its 2.0 platform, marking a significant shift in DeFi accessibility. The update introduces: - Permissionless access while maintaining compliance - Double-digit yields from real-world financial transactions - New reward system with Huma Feathers - 1:1 conversion of existing Huma points to Feathers The platform focuses on sustainable returns through real-world financial transactions, making DeFi accessible to everyone outside restricted regions. This launch represents a key milestone in PayFi evolution. Want to learn more about real-yield opportunities? Visit [Huma](https://huma.finance)

The upcoming PayFi Summit at Consensus Hong Kong has announced two prominent speakers: - **Ada Vaughan**, Senior Director of DeFi Partnerships at Stellar Organization, brings her expertise in global partnerships and DeFi strategy. Vaughan holds an MBA from Georgetown and has a background as a serial entrepreneur. - **Takayama Joe**, a crypto YouTuber and investor with 155,000 subscribers, will share insights on DeFi, Solana ecosystem, and AI in crypto. Event Details: - Date: February 17 - Location: Hong Kong - Registration: [Register Here](https://lu.ma/10xsqb5z)