What is Huma Finance?
It is the first payment financing network (PayFi), enabling financial and commercial institutions to settle payments globally around the clock using stablecoins and liquidity.
How does it work?
Huma relies on a dual structure:
Huma Institutional (service for verified institutions): Allows institutions to lend based on future financial receivables.
Huma 2.0 (open version without verification): Launched in April 2025, enabling individual investors to deposit stablecoins (USDC) in two modes: Classic and Maxi, with annual profits and reward distribution.
Impact and Numbers
Original funding volume: $2.3 billion;
Total transaction volume: $4.5 billion to date, all without defaults.
Huma 2.0 liquidity: About 50 million USDC from over 53,000 depositors since April 2025.
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Benefits
Accelerating global payment settlements (from T+3 to T+0 daily), improving cash flow and speeding up the supply chain.
Achieving double returns: Dollar interest + HUMA rewards (“Feathers”).
Clear integration with DeFi platforms like Solana, Orca, Jupiter, and financing protocols like Arf, Rain, and Jia.
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