In an era where traditional finance faces challenges of liquidity and trust, Huma Finance emerges as an innovative solution, bridging modern finance with blockchain technology. Focused on income-backed lending and payment finance (PayFi), Huma Finance offers a strategic vision, backed by ๐ฐ $38 million from top-tier investors and the distinction of being the ๐ฅ first project listed on Binance Alpha and Binance Launchpool.
1. โ What is Huma Finance?
Huma Finance is a pioneering decentralized finance (DeFi) protocol focused on income-backed lending and payment financing solutions. It enables individuals and businesses to access capital based on their future income by connecting them with global investors via blockchain. By tokenizing real-world assets (RWAs), Huma Finance delivers:
๐น Instant liquidity
๐น Transparent transactions
๐น Seamless cross-border financial operations
โฆdismantling the barriers between traditional finance and modern technology.
2. โจ Highlights
๐ First project on Binance Alpha and Binance Launchpool: Offering early access to users.
๐ Focus on PayFi: Redefining the payment finance sector.
๐ Impressive funding: Raised ๐ธ $38 million from renowned investors like Distributed Global and Hashkey Capital.
๐ Income-backed lending: Unlocking borrowing opportunities based on future financial potential.
๐ RWA tokenization: Enhancing liquidity and transparency for real-world assets on the blockchain.
3. ๐ ๏ธ Products
Huma Finance offers innovative decentralized financial services.
๐ Revolving Credit Line: Borrowers receive a flexible credit limit for on-demand use.
๐ผ Receivable Factoring: Businesses can sell their receivables for immediate cash, addressing liquidity needs.
The protocol operates through smart contracts, ensuring ๐ security and โ๏ธ automation. A tranche system allows investors to choose between senior and junior tranches, balancing risk and reward.
4. ๐ต Funding
Huma Finance raised $38 million in an equity round led by Distributed Global, with participation from:
๐ผ Hashkey Capital
๐ฑ Folius Ventures
โญ Stellar Development Foundation
๐ฆ TIBAS Ventures (ฤฐลbankโs venture arm)
5. ๐ง Investors
Key backers include:
โ Distributed Global
โ Hashkey Capital
โ Folius Ventures
โ Stellar Development Foundation
โ TIBAS Ventures
This support from reputable institutions underscores the projectโs long-term potential. ๐
6. ๐ Tokenomics
The HUMA token has a total supply of ๐ billion, allocated as follows:
๐น 31% for liquidity and ecosystem development
๐น 20.6% for investors
๐น 19.3% for the team and advisors
๐น 11.1% for the protocol treasury
๐ Team and investor tokens are locked for the first 12 months, then gradually unlocked over 3 years.
๐ Liquidity rewards decrease by 7% quarterly, adjustable via governance.
7. ๐ก Binance Launchpool
Huma Finance is the 70th project on Binance Launchpool and the first on Binance Alpha.
๐๏ธ Scheduled listing: May 26, 2025, with trading pairs:
๐ฑ HUMA/USDT, HUMA/USDC, HUMA/BNB, HUMA/FDUSD, HUMA/TRY
Users can stake BNB, FDUSD, or USDC to earn HUMA, with an airdrop opportunity via Alpha Points. ๐
8. ๐ Token Unlock Schedule
At TGE, 17.33% of the total supply is unlocked.
โณ Team and investor tokens are locked for 12 months, then vested over 3 years.
9. ๐ฃ๏ธ Roadmap
Huma Finance is actively developing, with significant updates expected. ๐ข
Follow the whitepaper or official channels for the latest information.
Huma Finance is more than a DeFi project โ it is a revolution, where traditional finance is reborn on the blockchain with unprecedented transparency, efficiency, and accessibility. ๐
Backed by top investors and pioneering on Binance Alpha and Launchpool, Huma Finance is laying the foundation for a promising global financial future. ๐๐ก
๐ This article is for informational purposes only. The information provided is not investment advice.
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