Huma Finance — PayFi That Powers Real-Time Payments & Institutional Yield
Huma Finance is pioneering PayFi, an entirely new Web3 financial model that blends stablecoin payments, trade finance, and on-chain credit into a unified, liquid ecosystem.
Since launching in April 2025, Huma has processed $4.5 billion+ in transactions with zero defaults—generating double-digit yield for liquidity providers.
Core network partners include Solana Foundation, Circle, Stellar Development Foundation, and Galaxy Digital.
Huma supports both Huma 2.0 (permissionless pools) for retail users and Huma Institutional, a KYC/KYB-compliant service tailored for institutional investors.
What makes it powerful:
Uses real-world receivables like invoices as collateral to instantly access liquidity via stablecoins.
Eliminates delays and fees typical of legacy systems—settling globally in near real-time.
Liquidity provider tokens (PST, mPST) are composable across major Solana DeFi platforms like Jupiter, Kamino, and Orca.
Why it matters:
Huma blends TradFi credit functions with DeFi speed and transparency—delivering capital efficiency, real-world yield, and accessible cross-border finance for businesses, developers, and users.
