Huma Finance (HUMA) is defining a bold new frontier in blockchain-enabled credit through its PayFi networkโintegrating payments and financing to support real-world incomeโ and receivablesโbased lending on-chain.
Rather than relying on crypto as collateral, Huma enables borrowersโsuch as freelancers, SMEs, and cross-border payroll or remittance recipientsโto borrow instantly against future income (invoices, salaries, remittances), offering liquidity of 70โ90% of their expected revenues via smart contract execution. This TimeโValueโofโMoney (TVM) model quantifies future cash flows at millisecond-precision, maximizing liquidity while minimizing delay.
Built on fast, low-fee blockchains like Solana and Stellar, Humaโs protocol supports millions in daily transaction volume. As of midโ2025, it has processed overโฏ$3.8โฏbillion in transaction volume and originated billions in credit.
It offers two main variants: โHuma Institutionalโ (permissioned, KYCโregulated) and โHuma 2.0โ (permissionless retail pools open since Aprilโฏ2025).
Backed by institutional capitalโincluding a $38โฏmillion equity round led by Distributed Global and support from the Stellar and Solana FoundationsโHuma merged with Arf to unify crossโborder liquidity tools and accelerate adoption across blockchains.
Huma aims to scale rapidlyโtargeting $10โฏbillion in total payment financing volume by end of 2025โand to drive improvements in sameโday settlements, DeFi composability, and ecosystem education.
By tokenizing credit and unleashing real-time liquidity, Huma is pioneering a new on-chain lending paradigm that bridges income streams and programmable money.
#HumaFinanc @Huma Finance ๐ฃ