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Huma Finance is a decentralized payment financing network (PayFi Network) focused on providing instant liquidity and financing solutions for global payments through blockchain technology 👇
🔹 This thread will give you a comprehensive understanding of how Huma is reshaping the global payment and financing market.
✨ Incentive Highlights (Important)
Huma launches multi-season incentive activities with @KaitoAI!
0.5% of the tokens to be issued will be allocated to Huma Yappers, part of which will also flow into the broader Kaito ecosystem to activate the adoption and consensus of PayFi and Huma.
1️⃣ Who is Huma?
🔹 Established: 2022
🔹 Headquarters: Cupertino, California, USA
🔹 Vision: Use blockchain to solve the high costs and low efficiency issues in traditional payment financing
2️⃣ Location: The first PayFi (Payment Finance) network
🔹 Connecting high-yield receivables with global capital
🔹 Supported scenarios include:
🔹 Cross-chain payments
🔹 Supply chain financing
🔹 DePIN equipment financing
3️⃣ Technical Architecture
🔹 Deployment Chains: Solana, Polygon, Celo, Scroll
🔹 Using USDC for 24/7 settlement
🔹 Modular protocols supporting third-party financing and lending applications
4️⃣ Main Products
🔹 Receivables / Invoice financing
🔹 Cross-border credit payments
🔹 DePIN financing (in collaboration with Roam)
🔹 USDC deposit → Profit-sharing based on actual payment income
5️⃣ Huma 2.0 (Launching on Solana in April 2025)
🔹 Introducing composable real yield
🔹 Strengthening integration capabilities with DeFi protocols
🔹 Enhancing payment financing efficiency
6️⃣ Key Data and Financing Progress
🔹 Cumulative transaction volume: 2 billion USD
🔹 Total lending amount: 1 billion USD
🔹 Default rate: 0%
🔹 Financing situation:
🔹 February 2023: 8.3 million USD (seed round)
🔹 September 2024: 38 million USD (expanding the PayFi network)
🔹 Total financing amount: 46.3 million USD
7️⃣ Partners and Ecosystem
🔹 Circle
🔹 Polygon Labs
🔹 Celo Foundation
🔹 Stellar
🔹 Jia, Arf, etc.
8️⃣ Token Information (HUMA / PST)
🔹 Not yet listed on mainstream exchanges
🔹 Currently no price data
🔹 Hosting incentive activities (such as Kaito collaboration) to reward content creators
9️⃣ Latest Updates
🔹 Solana launched Huma 2.0, becoming one of the first projects on the Jupiter LFG 2.0 launchpad
🔹 Community reward activities covering Galxe, Scroll, Discord
🔹 Actively participating in blockchain conferences: RWA Summit, PBW, Token2049 Dubai, etc.
🔟 How to Participate
🔹 Official website: https://huma.finance
🔹 X account: @humafinance
🔹 Media collaboration: [email protected]
🔹 Reminder: Access to the official website is restricted in some regions
1️⃣1️⃣ Summary
🔹 Huma integrates real assets, stablecoins, and cross-chain payments to build a new financing network
🔹 PayFi is expected to become the next growth engine for RWA
