New settlement infrastructure aims to eliminate time-zone delays and grant merchants immediate access to funds.
Huma Finance, in collaboration with Arf, Geoswift, and PolyFlow, has announced a settlement solution designed to provide same-day payouts for merchants on major global e-commerce platforms. The launch focuses on sellers in Asia, who often face delays due to the mismatch between the times when payments are made and local banking hours. Traditionally, payments initiated after local banking hours would be processed the following business day. This new system aims to make funds available within hours, rather than days.
Framing the announcement, Richard Liu, Co-Founder of Huma Finance, described the intent of the initiative. He explained: “Global e-commerce runs 24/7, but traditional banking rails don’t. PayFi closes that gap — turning settlement delays into real-time cash flow for merchants everywhere.”
Geoswift, a payment service provider (PSP) specializing in cross-border transactions, sought a way to meet regulatory requirements while reducing settlement times. The new approach integrates PolyFlow’s supplier financing platform, Arf’s compliant settlement infrastructure, and Huma’s liquidity system. Together, these components enable Geoswift to fund merchant accounts as soon as the e-commerce platforms initiate payouts.
The settlement solution is built on Huma’s PayFi network, which automates disbursements, enforces compliance measures such as anti-money laundering (AML) and know-your-customer (KYC) requirements, and delivers real-time transparency.
One of the key features of the solution is its adherence to regulatory frameworks across all jurisdictions involved. The system is designed to scale, supporting millions of global merchants and additional marketplaces. By maintaining full compliance, the network ensures that faster settlement times do not compromise legal and financial safeguards.
Raymond Qu, Founder and CEO of Geoswift and Co-Founder of PolyFlow, emphasized that this launch responds directly to merchant demand for faster settlement times and sets a new benchmark for payment service providers.
The launch aligns with Huma Finance’s broader strategy of leveraging blockchain technology to modernize global payment systems. Speaking at Solana Crossroads 2025, Huma Co-Founder Erbil Karaman announced an upcoming collaboration with Visa to pilot real-time merchant settlements, aiming to replace processes that can take up to a month to complete. This builds on Huma’s history of innovation, including its migration to the Solana network and a $38 million funding round to expand its PayFi network in late 2024.
In June 2025, Huma joined the Global Dollar Network (GDN), an initiative led by Paxos to promote the use of the $USDG stablecoin. This move positioned Huma alongside a group of industry leaders, including Robinhood, Kraken, and Worldpay, further expanding its global reach.
For merchants, especially those in regions with significant time zone differences from these platforms that send payments, the shift to same-day settlement means improved liquidity and operational flexibility. Instead of waiting for the next business day, sellers can now reinvest proceeds into inventory, marketing, or other business operations almost immediately.
The collaboration between Huma, Arf, Geoswift, and PolyFlow showcases how combining expertise in blockchain, liquidity management, and cross-border payments can address long-standing inefficiencies in global commerce. If adopted widely, this model could redefine expectations for settlement across e-commerce marketplaces worldwide.
