What is #HumaFinance (HUMA)?
$HUMA Finance is the first PayFi (Payment Finance) network, enabling 24/7 global payment settlement using stablecoins and on-chain liquidity.
$3.8B+ processed in transaction volume
Double-digit real-world yields for liquidity providers
PayFi = Payment + Finance → Faster, cheaper, borderless money movement.
Founders
Erbil Karaman – Ex-leader in multiple tech firms (product development & innovation).
Richard Liu – Ex-Google Head of Engineering (Google Fi, Trusted Store, Commerce Search), co-founded Leap.ai (acquired by Facebook), CTO at Earnin.
Backed By
Distributed Global, Hashkey Capital, Folius Ventures, Stellar Development Foundation (SDF), Circle Ventures, and more.
How It Works (3-Layer Protocol)
1. Transaction Layer – Runs on Solana for instant settlements.
2. Currency Layer – Uses USDC for stability.
3. Financing Layer – Provides instant liquidity using on-chain credit credentials (e.g., accounts receivable).
Example: SME exporters can stake USDC and instantly draw 80% of receivables for working capital.
Earning Modes for Liquidity Providers
Classic Mode: 10.5% APY in USDC + Huma Feathers
Maxi Mode: 0% APY (USDC) but up to 25x Huma Feathers during launch
Locking funds for 3–6 months increases reward multipliers.
HUMA Token Utility
Governance rights
Rewards for liquidity providers
Core token in the PayFi ecosystem
Market Snapshot (as of Aug 3, 2025)
Price: $0.03271
ATH: $0.1160
ATL: $0.02936
Circulating Supply: Not disclosed yet
Why It’s Interesting
Solves slow, costly global payments
Real yield backed by real-world payment financing
Backed by top-tier VCs and partners