payfi
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Richard Liu Is Teaching Money to Stop Waiting
After Google Fi, Leap.ai and EarnIn, the engineer behind Huma Finance has fixed his attention on a stubborn delay: money that arrives days after it is needed.
Erbil Karaman Is Trying to Make Money Move at Internet Speed
After building products at Facebook, Lyft and EarnIn, the Turkish-American founder found his next problem hiding in the days between a payment and its arrival.
Klickl
Klickl is a regulated Web3 open-finance platform headquartered in Abu Dhabi that bridges traditional banking and digital assets. Founded in 2017, it offers crypto trading, custody, payments, multi-currency accounts, cards and OTC services under licenses from Abu Dhabi's ADGM, Poland (VASP/EU) and the US (FinCEN MSB). In December 2024 it raised a $25M Series A at a $125M valuation to expand across the MENA region and other emerging markets.
Huma Finance
Huma Finance is the first PayFi (Payment Financing) network, a blockchain protocol that lets businesses and payment providers borrow stablecoin liquidity against real-world receivables and invoices, settling cross-border payments and card transactions in seconds instead of days. Liquidity providers deposit USDC and earn double-digit yield sourced from the fees borrowers pay for that instant settlement. Founded in 2022 and built natively on Solana, Huma has processed more than $4.5 billion in transaction volume and launched its HUMA governance token in May 2025.
Michael Wu
Michael Wu is the founder and CEO of Interlace (interlace.money), a Singapore-based card issuance and digital-asset payments platform that has issued more than 6 million cards across 180+ countries for over 12,000 enterprise clients. A Stanford-trained engineer who built software at Google, Dropcam, and PalmDrive before turning founder, Wu set out to collapse the months-long process of issuing branded payment cards into an API call, positioning stablecoins as the bridge between Web3 and traditional finance. In December 2024 Interlace raised $10 million in Series B1 funding led by Bitrock Capital.