1. A revolutionary PayFi architecture that connects traditional finance with fast transactions
Huma Finance is the first PayFi protocol to accelerate global payments using stablecoins (such as USDC and USDT), providing instant on-chain liquidity, replacing systems like SWIFT and significantly reducing costs.
2. A decentralized, inflationary, value-enhanced economic model
Field capital is backed by a "Buy-Back & Burn" system: Half of the loan fees are used to buy and burn HUMA tokens, reducing the supply over time and helping to support the price. The total supply is capped at 10 billion, with an initial offering of approximately 1.73 billion.
3. Stable and customizable returns via Huma 2.0
The Huma 2.0 platform allows anyone to enter the system without the need for authorization or KYC, and offers users two earning options:
Classic Mode: Fixed returns (such as 10.5% APY in USDC) plus HUMA rewards.
Maxi Mode: HUMA doubles its returns for those who prefer rewards over cash returns.
4. Strong Institutional Backing and Strategic Partnerships
Huma Finance has raised over $46 million in funding from prestigious investors such as ParaFi Capital and Fenbushi Capital. It is also backed by prominent institutions such as Solana, Circle, the Stellar Development Foundation, and Galaxy Digital.
5. Effective Global Expansion and Real-Asset Integration
Huma's platforms support the conversion of invoices, salaries, or expected income into instant liquidity ready for the DeFi market, opening the door to businesses and individuals who do not have traditional collateral. Huma also has a multi-chain architecture—including Solana, Stellar, and Ethereum L2s (such as Polygon, Celo, and Scroll)—to enhance its scale.