[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  The Thinker.Bera [@_thelearner_](/creator/twitter/_thelearner_) on x 1158 followers Created: 2025-07-18 20:17:51 UTC Others Tried and Failed. Here’s Why @humafinance Will Win the PayFi Race 👇 Here are some protocols that tried building real world lending on DeFi rails and failed: • Stenn & Greensill collapsed under fraud and weak risk oversight. • Centrifuge & MakerDAO rely on overcollateralization inefficient and limiting for real world use. Here’s why @humafinance stands out and why it’s built to win: ✅ Undercollateralized lending, done right No need for massive crypto holdings. Huma uses payroll, invoices, and receivables as collateral unlocking credit for the 99%. ✅ High capital velocity Funds cycle 50–100× per year, generating sustainable, real world APYs of 10–24% without dilution or token printing. ✅ Battle tested with zero defaults Strong risk models + real adoption = clean performance. ✅ Deep integrations Huma is built on Solana & Stellar, and partnered with Circle, Request, Superfluid, and others to scale borderless PayFi rails. ✅ Now backed by law With the Genius Act officially passed, stablecoins now have legal clarity in the U.S. a massive unlock for Huma’s vision of compliant, global finance. @humafinance isn’t just another DeFi protocol. It’s the infrastructure layer for a more inclusive financial system. $HUMA is the future of regulated, real world crypto credit and we are still not bullish enough. XX engagements  **Related Topics** [genius act](/topic/genius-act) [new era](/topic/new-era) [marks](/topic/marks) [coins stablecoin](/topic/coins-stablecoin) [lending](/topic/lending) [humafinance](/topic/humafinance) [$mkr](/topic/$mkr) [coins defi](/topic/coins-defi) [Post Link](https://x.com/_thelearner_/status/1946303422296125486)
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The Thinker.Bera @thelearner on x 1158 followers
Created: 2025-07-18 20:17:51 UTC
Others Tried and Failed. Here’s Why @humafinance Will Win the PayFi Race 👇
Here are some protocols that tried building real world lending on DeFi rails and failed:
• Stenn & Greensill collapsed under fraud and weak risk oversight.
• Centrifuge & MakerDAO rely on overcollateralization inefficient and limiting for real world use.
Here’s why @humafinance stands out and why it’s built to win:
✅ Undercollateralized lending, done right No need for massive crypto holdings. Huma uses payroll, invoices, and receivables as collateral unlocking credit for the 99%.
✅ High capital velocity Funds cycle 50–100× per year, generating sustainable, real world APYs of 10–24% without dilution or token printing.
✅ Battle tested with zero defaults Strong risk models + real adoption = clean performance.
✅ Deep integrations Huma is built on Solana & Stellar, and partnered with Circle, Request, Superfluid, and others to scale borderless PayFi rails.
✅ Now backed by law With the Genius Act officially passed, stablecoins now have legal clarity in the U.S. a massive unlock for Huma’s vision of compliant, global finance.
@humafinance isn’t just another DeFi protocol.
It’s the infrastructure layer for a more inclusive financial system.
$HUMA is the future of regulated, real world crypto credit and we are still not bullish enough.
XX engagements
Related Topics genius act new era marks coins stablecoin lending humafinance $mkr coins defi