Payfi and huma introduction 

Payfi is building a decentralized payment and lending platform that focuses on enabling Buy Now, Pay Later (BNPL) services using crypto. It allows users to make purchases and pay over time while merchants get paid upfront. Payfi connects traditional e-commerce with Web3 finance, offering flexible payment options and financial access to more users—all powered by blockchain technology.

Huma Finance is a decentralized protocol for income-based financing and on-chain credit. It helps users, especially in emerging markets, access loans based on real-world income data. Huma supports undercollateralized lending, payroll advances, and invoice financing—bringing traditional credit systems into the Web3 world through verifiable income and identity.