Qiro x Huma Partnership

Singapore / San Francisco - 27 Jan 2026

Qiro Finance, an independent enterprise-grade credit underwriting platform for tokenized private credit, today announced a strategic partnership with Huma Finance, the world’s first PayFi network, to support their rapid growth.

Under the partnership, Qiro will act as a strategic underwriting and risk-monitoring partner to Huma, providing institutional-grade credit assessment, structuring, and monitoring infrastructure to support payment financing use cases deployed through Huma’s PayFi network. Together, the teams are targeting the underwriting of up to $250 million in real-world credit assets over the next 12-15 months, subject to borrower quality, risk approvals, and market conditions.

From Capital Availability to Credit Intelligence

While DeFi has successfully unlocked global access to capital, the sector has consistently struggled with 3 core challenges: credit decision-making, risk scenario modeling, and continuous monitoring. Most off-chain lending systems remain constrained by traditional models or rely on opaque intermediaries to underwrite risk, limiting both scale and institutional participation. Many don’t have any ability or capacity to assess underlying credit risk or liquidity conditions on an ongoing basis beyond the manual reports they depend on receiving from the asset originators.

Qiro was built to address this intelligence and transparency gap.

By bringing enterprise-grade underwriting infrastructure, off-chain data streams, liquidity modeling, and private-credit-style risk frameworks into onchain markets, Qiro enables permissionless lending to move beyond simplistic rules and into disciplined, data-driven, continuous decisions.

This capability is now being leveraged by Huma Finance as it expands into the rapidly shifting trade finance world, driven by new trade regimes and the growing use of stablecoins in enterprise cross-border payments.

Qiro as the Underwriting Intelligence Layer for Huma

Under the partnership, Qiro’s underwriting platform serves as a decision-making and continuous underwriting platform within Huma’s credit workflows. Rather than focusing solely on execution or liquidity, the collaboration emphasizes making the most informed credit decisions, and ensuring performance throughout the whole lifecycle of capital.

Qiro supports Huma across:

• Borrower-level credit assessment using off-chain financial, operational, and behavioral data

• Risk and liquidity structuring aligned with institutional standards

• Ongoing monitoring of key risk factors to support portfolio health over time

This allows Huma to scale PayFi infrastructure confidently.

Targeting Meaningful Scale, Responsibly

As part of the collaboration, Qiro and Huma are working toward underwriting up to $250 million in real-world credit assets over the next 12-15 months, spanning payment-linked financing, and trade-related use cases.

Importantly, this target reflects underwriting capacity and strategic intent. Huma has set an extremely high bar, by financing more than $4.5B in stablecoin credit with $0 in default to date. All credit is subject to Huma and Qiro’s independent risk assessments, ensuring that scale is achieved without compromising standards.

This approach goes beyond how private credit operates in traditional markets - setting a new standard better suited for internet capital markets.

Early Applications and What’s Next

The partnership is already being applied across live real-world lending contexts, demonstrating how professional underwriting and continuous risk assessments can be integrated into permissionless systems.

Looking ahead, Qiro and Huma plan to deepen their collaboration across additional credit structures, geographies, and borrower profiles - positioning underwriting as a foundational primitive for the next generation of onchain credit markets.

Founder Commentary

Akshay Poshatwar, Co-Founder and CEO, Qiro Finance, said:

“DeFi doesn’t fail because of a lack of capital - it fails when credit decisions are weak. Qiro exists to bring institutional-grade underwriting into permissionless systems. Partnering with Huma allows us to apply that discipline at scale and help redefine how real-world credit is underwritten onchain.”

Erbil Karaman, Co-Founder and CEO, Huma Finance, added:

“As PayFi evolves into the rapidly shifting trade finance world, data rich underwriting and continuous monitoring  systems become mission-critical. As Huma team expands its underwriting capabilities, working with Qiro gives us a strategic partner that brings deep credit expertise and purpose-built  decision-making infrastructure into our ecosystem.”

About Qiro Finance

Qiro Finance is an independent, enterprise-grade credit underwriting platform for onchain private credit. By combining off-chain data access with deep credit expertise, Qiro enables undercollateralized, real-world lending across fintech lending, payments, trade finance, DePIN financing, and credit cards.

Qiro operates as a neutral underwriting infrastructure - powering better credit decisions across DeFi, tokenized private credit, and institutional stablecoin markets.

Website: https://www.qiro.fi/

About Huma Finance

Huma Finance is the world’s first PayFi network, enabling instant global payments and credit flows powered by stablecoin liquidity. By connecting real-world economic activity with onchain infrastructure, Huma is building the foundation for scalable, permissionless finance.

Website: https://huma.finance/