第一個支付融資 (PayFi) 網路 Huma 宣布融資 3800 萬美元

世界各地絕大多數企業和個人都依賴某種支付融資形式。光是信用卡就為全球商家支付提供了 16T 美元的資金。

Huma, a pioneer in the Payment Financing (PayFi) domain, announced today that it has secured $38 million in funding. This round was spearheaded by Distributed Global, with substantial participation from Hashkey Capital, Folius Ventures, the Stellar Development Foundation, and TIBAS Ventures, the venture capital arm of İşbank, the largest private bank in Turkiye. A portion of this raise was allocated to investments in high-yield real world assets (RWA) on the platform.

支付融資 (PayFi) 領域的先驅 Huma 今天宣布已獲得 3800 萬美元的融資。此輪融資由 Distributed Global 牽頭，Hashkey Capital、Folius Ventures、Stellar Development Foundation 和土耳其最大私人銀行 şbank 的風險投資部門 TIBAS Ventures 大量參與。本輪融資的一部分用於投資平台上的高收益現實世界資產（RWA）。

The vast majority of businesses and individuals worldwide rely on some form of payment financing. Credit cards alone facilitate $16T in merchant payments globally. Trade finance enables $10 trillion in B2B payments. One in every six families depends on remittances—money sent back home across the borders—yet even that system depends on trillions of dollars being locked in pre-funding accounts. The list goes on. While the demand for payment financing increases daily, creating an urgent need for more innovative solutions, traditional financial institutions are unable—or unwilling—to meet this need, widening the liquidity gap with each passing day.

全球絕大多數企業和個人都依賴某種形式的支付融資。光是信用卡就在全球促成了 16T 美元的商家支付。貿易融資支持 10 兆美元的 B2B 支付。六分之一的家庭依靠匯款（跨境匯回家鄉的錢）為生，但即便如此，該系統也依賴預先融資帳戶中鎖定的數萬億美元。這樣的例子還在繼續。儘管支付融資需求日益增加，迫切需要更具創新性的解決方案，但傳統金融機構卻無法（或不願意）滿足這項需求，流動性缺口日益擴大。

Payment financing is so deeply ingrained in every aspect of our lives that, without it, the entire economy would stop growing.

支付融資在我們生活的各個方面都根深蒂固，如果沒有它，整個經濟將停止成長。

PayFi aims to address this massive liquidity gap by shifting trillions of dollars of real world payment volume to blockchains and stablecoins. By leveraging the core strengths of blockchain—specifically, the programmable nature of money and the ability to move funds globally in seconds—PayFi also enables new real-world use-cases that were previously impossible. Keeping all of these use cases in mind, Huma has built the first ever PayFi network, adopting an open, modular and decentralized approach to empower interoperable solutions across participants. By combining the best of RWA, Payments, and DeFi, Huma is creating a network that is far more efficient and accessible than traditional alternatives.

PayFi 旨在透過將數萬億美元的現實世界支付量轉移到區塊鏈和穩定幣來解決巨大的流動性缺口。透過利用區塊鏈的核心優勢，特別是貨幣的可編程性和在幾秒鐘內在全球範圍內轉移資金的能力，PayFi 還實現了以前不可能實現的新的現實用例。考慮到所有這些用例，Huma 建立了第一個 PayFi 網絡，採用開放、模組化和去中心化的方法來為參與者提供可互通的解決方案。透過結合 RWA、支付和 DeFi 的優點，Huma 正在創建一個比傳統替代方案更有效率、更容易存取的網路。

"While designing Huma, we often asked ourselves: How do you build an open payment financing network on blockchain that is more powerful than Visa? Today, stablecoins are already powering $2T in payments annually. An open payment financing network is going to help grow the entire payment ecosystem faster." said Huma co-founder Richard Liu. "The surge of interest we're seeing right now is a testament to PayFi's potential. As more partners join us every week, it's clear that PayFi is quickly becoming the new frontier of RWA."

「在設計Huma 時，我們經常問自己：如何在區塊鏈上建立一個比Visa 更強大的開放式支付融資網絡？如今，穩定幣每年已經為2T 美元的支付提供動力。開放式支付融資網絡將有助於增長整個支付生態系統更快。 Huma 聯合創始人理查德·劉 (Richard Liu) 說。 「我們現在看到的興趣激增證明了 PayFi 的潛力。隨著每週都有更多合作夥伴加入我們，很明顯 PayFi 正在迅速成為 RWA 的新領域。”

In line with this vision, Huma's merger with Arf, the leading on-demand liquidity solution for global payments, brought together two of the most prominent PayFi players in April. Together, Huma and Arf have already processed over $1.8 billion in payment financing transactions and are on track to reach $10 billion next year, making them one of the fastest growing use cases for Circle's USDC.

根據這個願景，Huma 與全球支付領域領先的隨選流動性解決方案 Arf 於 4 月合併，將兩位最著名的 PayFi 參與者聚集在一起。 Huma 和 Arf 已經合計處理了超過 18 億美元的支付融資交易，預計明年將達到 100 億美元，這使它們成為 Circle 的 USDC 增長最快的用例之一。

Part of this raise came as investments into Arf's high-yield RWA assets. The Stellar Development Foundation provided a $10 million investment. Additionally, tokenized assets are currently available to accredited investors on Scroll for a limited period. With this funding infusion, Huma plans to further expand its PayFi network to the Stellar smart contract platform and to Solana in the coming months, making sure the network is accessible from all the major payments-focused chains.

此次融資的一部分來自對 Arf 高收益 RWA 資產的投資。恆星發展基金會提供了1000萬美元的投資。此外，目前 Scroll 上的合格投資者可以在有限的時間內使用代幣化資產。透過這筆資金注入，Huma 計劃在未來幾個月內將其 PayFi 網路進一步擴展到 Stellar 智慧合約平台和 Solana，確保所有主要支付鏈都可以存取該網路。

"Moving money quickly and cheaply across borders is at the core of what the Stellar network does best. PayFi is providing real world utility that solves problems for people and companies, and it is the type of project tailor-made for the Stellar network. We look forward to continuing to working with Huma to grow the PayFi ecosystem," said Denelle Dixon, CEO of the Stellar Development Foundation.

「快速、廉價地跨境轉移資金是 Stellar 網路最擅長的核心。PayFi 提供現實世界的實用程序，為個人和公司解決問題，這是為 Stellar 網路量身定制的專案類型。我們期待繼續與Huma 合作發展PayFi 生態系統。

"Huma's PayFi network represents an important step forward in payment financing, offering solutions to long-standing inefficiencies in the industry," said Chao Deng, CEO of HashKey Capital. "We believe innovations like this are crucial for addressing real-world challenges, and we're pleased to see Huma playing a key role in advancing the Web3 space."

HashKey Capital 執行長鄧超表示：“Huma 的 PayFi 網路代表了支付融資領域向前邁出的重要一步，為行業長期存在的低效率問題提供了解決方案。” “我們相信這樣的創新對於解決現實世界的挑戰至關重要，我們很高興看到 Huma 在推動 Web3 領域發揮關鍵作用。”

Huma's growing PayFi network has caught the attention of leading blockchain advocates, further fueling the momentum behind PayFi. The Solana Foundation's support signals how PayFi's innovative on-chain financial solutions are set to redefine global finance.

Huma 不斷發展的 PayFi 網路引起了領先的區塊鏈倡導者的注意，進一步推動了 PayFi 背後的勢頭。 Solana 基金會的支持表明 PayFi 的創新鏈上金融解決方案將如何重新定義全球金融。

"PayFi is the creation of new financial markets around the time value of money. On-chain finance can enable new financial primitives, product experiences, and financial access that are impossible in traditional or even Web2 finance. When I met the Huma team, it was immediately apparent that they'd be a great anchor for the PayFi ecosystem within Solana." said Lily Liu, President of Solana Foundation.

「PayFi 是圍繞貨幣時間價值創造新的金融市場。鏈上金融可以實現傳統甚至 Web2 金融中不可能實現的新金融原語、產品體驗和金融准入。當我見到 Huma 團隊時，它顯而易見，他們將成為Solana 內PayFi 生態系統的重要支柱。 Solana 基金會主席 Lily Liu 說。

Later this year, Huma also plans to launch the Huma Foundation, a pivotal move to decentralize its PayFi network and broaden global access, further solidifying its leadership in the RWA space.

今年晚些時候，Huma 還計劃推出 Huma 基金會，這是分散其 PayFi 網路和擴大全球存取範圍的關鍵舉措，進一步鞏固其在 RWA 領域的領導地位。

Additionally, in collaboration with the Solana Foundation and Stellar Development Foundation, Huma is set to host the inaugural PayFi Summit

此外，Huma 將與 Solana 基金會和 Stellar 發展基金會合作主辦首屆 PayFi 高峰會