Circle has quietly launched a new kind of payment network. The Circle Payments Network (CPN) lets banks, fintechs, and businesses move money around the world in seconds using USDC and EURC. No prefunding. No waiting days for settlement. Then came the big update: @humafinance and Arf joined CPN as the first credit partners. This means companies can now send payments instantly with on-demand USDC credit, backed by real invoices through Huma’s PayFi system. Visa later released a 28-page report highlighting Huma for handling over $7.4B with zero defaults, calling it a leader in stablecoin-based lending. And with the new GENIUS Act in the U.S., stablecoins now have clear legal support. To sum it up: •Circle built the network. •Huma and Arf added credit power. •Visa gave it recognition. •Regulators gave it the green light. Global payments just got faster, cheaper, and smarter, from days to seconds.