In the village of Samburu in northern Kenya, a silent financial revolution is taking place. Once upon a time, the villagers had to walk two hours to reach the nearest bank, just to withdraw an overseas remittance, and the high fees made them hesitate. However, the situation has drastically changed now.

Through an innovative mobile application, villagers can simply tap the phone screen and enter a simple verification code to receive remittances in just 5 minutes, with costs only one-tenth of traditional methods. The driving force behind this change is the innovative payment system from HumaFinance.

HumaFinance's mission is to transform the "blind spots" of global financial services into "oases" accessible to everyone. In today's world, approximately 1.7 billion people still cannot enjoy traditional financial services. In response to this situation, HumaFinance has proposed a unique PayFi model. This model no longer considers bank accounts as an entry barrier, but instead focuses on the user's actual income situation.

For example, in the Philippines, domestic workers can advance their wages based on contracts signed with employers; in India, small vendors can obtain startup funds based on future orders. This flexible approach attracted 54,000 users in the first month after its launch in the Philippines. These users are not engaging in speculative trading but are addressing practical needs in life, such as raising funds for the New Year or paying for their children's tuition.

HumaFinance's innovation is not limited to the payment sector. The company has also launched a token named HUMA, which is an important component of its ecosystem. 50% of the transaction fees generated from each transaction are used to buy back and burn HUMA tokens. Considering the global accounts receivable market size of $30 trillion, the appreciation potential of HUMA tokens is enormous. More interestingly, token holders can not only receive buyback dividends but also participate in decision-making, choosing the next market that HumaFinance will enter.

Currently, HumaFinance has established a presence in 12 countries, ranging from island fishing villages in Southeast Asia to grassland tribes in Africa. Surprisingly, despite serving high-risk groups as perceived by traditional financial institutions, HumaFinance's bad debt rate is only 0.3%, even lower than many traditional banks. This achievement strongly demonstrates the practical application value of blockchain technology in the field of inclusive finance.

As the HumaFinance ecosystem continues to expand, the value of the HUMA token is steadily rising. It is no longer just a medium of exchange but has become a "pass" for ordinary people to participate in the new financial era. Through innovative financial services, HumaFinance is bringing real change to marginalized communities around the world, making financial services a right that everyone can truly enjoy.