Huma Finance is a 'PayFi' network built with blockchain technology, simply put, it makes global payments as fast, cheap, and transparent as sending a WeChat message! Traditional bank transfers are as slow as turtles, merchants have to wait days to receive money, and remittances are charged high fees by middlemen. Huma uses stablecoins (like USDC) to make payments arrive instantly, with fees almost nonexistent, covering cross-border payments, trade financing, and credit card payments, with a market size exceeding $30 trillion! As of 2025, Huma has processed $4.63 billion in transactions, with zero defaults, and provides investors with 15%-24% annual returns, stable as can be! It collaborates with big players like Solana and Circle, aiming to make global finance faster and fairer, accessible to anyone!
Advantages of HUMA
Payments are incredibly fast
Huma uses blockchain and stablecoins to make payments arrive instantly, merchants receive money immediately after selling goods, suppliers get paid as soon as they ship, and overseas remittances are completed in seconds! The traditional SWIFT system takes several days, with outrageous fees (1%-3%), while Huma only charges 8-10 basis points (equivalent to a few cents), drastically beating in speed and cost, especially suitable for cross-border business and daily payments.
High returns and safe, no fear of losses
Bank deposit interest rates are pitifully low, and the money earned is taken away by executives and shareholders. Huma allows ordinary people to deposit money and earn 15%-24% annual returns, a hundred times better than banks! It uses smart contracts to assess credit, with zero defaults so far, and $4.63 billion in transactions without any issues. Investors can also earn returns by holding the $PST token within the Solana ecosystem, safe and worry-free.
Can connect anything, unbeatable compatibility
Huma is like a 'financial universal adhesive', supporting multiple chains like Solana, Polygon, Celo, Scroll, and will add Stellar in the future. Whether you are a merchant, user, or developer, it can be easily integrated. Its $PST token can seamlessly connect with DeFi projects like Jupiter and Kamino on Solana, with an abundance of ways to play, convenient and user-friendly.
Simple operation, everyone can participate
Huma's interface is as simple as using a mobile app, allowing payments or investments with just a few clicks, even beginners can get started instantly. It also provides APIs and SDKs for developers to easily create payment applications. In the future, it will launch AI tools to simplify complex operations through chat, providing a smooth experience!
Token details and distribution
Token name: Huma (HUMA)
Total token supply: 1 billion HUMA
Total amount for Launchpool: 25 million HUMA (accounting for 2.5% of total supply)
Initial circulation: 173 million HUMA (accounting for 17.33% of total supply)
Additional allocation: 50 million HUMA for subsequent marketing activities (distributed in batches); 40 million HUMA for community rewards after 3 months.
Project Background
Huma Finance was launched in 2018, focusing on transforming global payments with blockchain technology, becoming the leader in the PayFi sector in 7 years. It has raised a total of $46 million, supported by top VCs like Galaxy Digital, Coinbase Ventures, Race Capital, and backed by Solana Labs and Circle. In 2023, Huma 2.0 was launched, open to ordinary users, and in 2024, it will deeply integrate with Solana, skyrocketing transaction volume to $4.63 billion. The team is made up of veterans in payments and DeFi, with hardcore technology and an extremely user-friendly product!
Summary
Huma Finance is not an ordinary DeFi project, but a 'accelerator' for global payments! It makes payments as fast as sending a message, with fees so low it's touching, and allows ordinary people to earn 15%-24% returns, safe and reliable. Serving a transaction volume of 4.63 billion, with zero defaults, Huma has proven itself to be the ace of PayFi. With $46 million in funding, multi-chain support, and top partners, Huma's ability to attract funds is phenomenal. In the future, it may connect global finance and DeFi!