🌍 Huma Finance (HUMA) The Future of Real-World DeFi
💡 What Is It?
@Huma Finance 🟣 is the first decentralized PayFi protocol, enabling 24/7 income-backed lending. It lets users and businesses borrow against future income like invoices, salaries, and cash flows using stablecoins.
🌐 Why It Matters
Unlike traditional DeFi, Huma doesn’t require crypto collateral instead, it underwrites loans based on income. That unlocks DeFi for the 99%, with real-time financing for wages, invoices, and more.
📈 Milestones
Winner of ETHDenver 2022
Raised $46M from major VCs (Circle, Galaxy, ParaFi)
40k+ community, 30k+ dApp users
$3.8B+ payment volume processed
🛠️ How It Works
1. Tokenized Income (e.g., payroll, invoices)
2. Underwriting Engine
3. Customizable Lending Smart Contracts
🔧 HUMA Token Use
Governance, staking rewards, ecosystem incentives
10B supply
5% for airdrops, 31% for LP rewards
Vesting: 12-month lock + 3-year linear unlock
🚀 Market Stats
Price: ~$0.033
Market Cap: ~$57M
Daily Volume: ~$25M
✅ Final Take
Huma is bringing real-world finance on-chain, building a foundation for income-based DeFi. As PayFi adoption grows, HUMA could become the core protocol for tokenized payments and credit access.
