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① What is Huma Finance?
Huma Finance is a global leading PayFi network product, dedicated to accelerating global payments.
② What is Huma Finance's business model?
The essence of Huma Finance's business model is to innovate the current cross-border payment paradigm by leveraging the efficient and low-cost technological advantages of blockchain peer-to-peer transactions, thereby enhancing the efficiency of cross-border payments.
Main changes include:
1. Cross-border sellers receive payments in advance: In past cross-border transactions, after customers purchased cross-border products, the money paid was held on a third-party transaction platform. This portion of money is essentially idle and can only be paid to the cross-border merchants after the cross-border goods have crossed oceans to reach the customers, and the customers confirm receipt. For cross-border enterprises, this is a core pain point; cash flow is very important for businesses, and the funds in cross-border trade are often held for at least a month. Based on this, Huma Finance purchases accounts receivable from eligible companies' cross-border businesses (with real paid funds held in the cross-border transaction platform) based on risk control capabilities, charging a small fee (for example, assuming payment is made one week later, charging a 1% fee, the annualized true yield would be 50%, considering capital operating efficiency, the actual yield would be lower, for example, 30%);

1. What is pump.fun?
1. Company business introduction - The birth of a no-threshold on-chain lottery issuance institution: Pump.Fun is a decentralized token launch platform built on the Solana chain, requiring no coding of smart contracts, significantly lowering the participation threshold for ordinary people. Since its launch in January 2024, influenced by the current Meme coin craze, it has attracted a large number of users over one and a half years, becoming a commonly used platform for 'gold digging' with over 8 million types of Meme coins issued.
2. Operational mechanism - no threshold at the start, profit-sharing after scaling: Pump.Fun stipulates that the initial fixed supply benchmark for tokens issued by users is 1 billion, with an initial price of approximately 0.000000028 SOL. Regardless of the initial market value set by Pump.Fun, which is around 28-30 SOL (these figures can be adjusted by Pump.Fun according to market conditions), all users can trade the token on Pump.Fun after issuance.