As an investigative journalist focused on the fintech sector, I recently discovered a little-known yet far-reaching trend: the distribution model of global credit card transaction fees is quietly undergoing a transformation.

Traditionally, these transaction fees have been confined to circulation among banks, payment companies, and clearing institutions, making it difficult for the general public to get a share. However, over the past year, an innovative platform called Huma Finance has begun to break this pattern by distributing a portion of the profits to ordinary investors.

Through in-depth investigation, I discovered the operational mechanism of Huma Finance:
1. Investors' funds are used to prepay delayed payments for global merchants.
2. When the merchant repays, the actual fees incurred are distributed proportionally to the investors.
3. The platform's Classic mode offers a stable annual return of over 10%.
4. The Maxi mode provides users with the opportunity to earn airdrop points.
5. The PST tokens obtained by investors can be traded freely on the Jupiter platform, with no lock-up period restrictions.

What is even more striking is that Huma Finance has secured $38 million in funding support. It has partnered with the cross-border settlement platform Arf, and there are rumors that it is conducting pilot cooperation with VISA.

This is not just an emerging financial product, but represents a redistribution of power—from traditional financial giants to ordinary participants. This transformation may signal a significant adjustment in the payment industry ecosystem.

In the face of this ongoing financial transformation, everyone is faced with a choice: whether to become an active participant in this change or merely a bystander. Regardless, this new profit distribution model will undoubtedly have a profound impact on the global payments industry.