RewriteEngine On
RewriteCond %{REQUEST_FILENAME} !-f
RewriteCond %{REQUEST_FILENAME} !-d
RewriteRule ^home/?$ /home.php [NC]
RewriteRule ^settings/?$ /settings.php [NC]
RewriteRule ^verify/([0-9]+)/([0-9]+)/?$ /verify.php?id=$1&user=$2 [NC,L]