Catenaa, Wednesday, February 04, 2026- Qiro Finance has partnered with Huma Finance to provide institutional-grade underwriting and risk monitoring for tokenized private credit.
Jointly they will be targeting up to $250 million in real-world credit assets over the next 12–15 months.
The collaboration supports Huma’s PayFi network, which facilitates stablecoin-based cross-border payments and enterprise financing.
Qiro’s platform integrates off-chain financial, operational, and behavioral data with liquidity modeling and private-credit risk frameworks to enable continuous, data-driven credit decisions onchain.
The partnership emphasizes robust borrower assessment, risk structuring, and ongoing monitoring to maintain portfolio health while scaling Huma’s payment financing use cases.
Huma Finance has previously financed over $4.5 billion in stablecoin credit with no defaults. The collaboration leverages Qiro’s expertise to expand underwriting capacity responsibly, ensuring that growth does not compromise risk standards.
The firms plan to extend coverage across additional geographies, borrower profiles, and credit structures, positioning professional underwriting as a core component of tokenized private credit markets.
Qiro Co-Founder and CEO Akshay Poshatwar said the partnership brings institutional-grade credit discipline into permissionless systems, addressing weaknesses that can hinder DeFi’s real-world lending potential.
Huma CEO Erbil Karaman added that data-rich underwriting and continuous monitoring are critical for scaling PayFi in the evolving trade finance landscape.
The initiative reflects a growing trend of applying professional credit assessment and compliance frameworks to tokenized finance, bridging traditional private credit practices with emerging onchain infrastructure and enabling safer, scalable digital lending solutions.
