On May 23, 2025, Binance Launchpool announced the launch of the 70th project Huma Finance (HUMA), with trading starting on May 26 at 21:00 (UTC+8). We anticipate that the opening short-term price of the HUMA token will peak around 0.15 USD, with a stable price fluctuating around 0.06 USD.

1. Launchpool Details

• Token Name: Huma Finance (HUMA)

• Total Token Supply: 10,000,000,000 HUMA

• Maximum Token Supply: 10,000,000,000 HUMA

• Total Launchpool: 250,000,000 HUMA (2.5% of maximum token supply)

An additional 50,000,000 HUMA will be allocated to marketing activities six months after the spot listing. Detailed rules will be announced separately.

• Initial Circulation: 1,733,333,333 HUMA (17.33% of total token supply)

2. Project Overview

Huma Finance is the first decentralized payment financing network, dedicated to fundamentally transforming the PayFi space and reshaping the global payment landscape. This innovative platform cleverly combines the robust security of blockchain technology with the efficiency of stablecoins to create a unique ecosystem that significantly enhances liquidity and accessibility. Huma Finance is not just a financial tool; it is a transformative solution that opens up new avenues for inclusivity and efficiency in the financial world. Huma aims to empower individuals and businesses to access credit and liquidity often overlooked by traditional financial systems. Huma's vision goes beyond mere transactions; it seeks to change the structure of financial services through seamless integration of on-chain and off-chain solutions. This holistic approach ensures transparency and accessibility, creating a financial environment where more people can participate and thrive.

3. Project Highlights

PayFi Network

Huma Finance's core product, the PayFi network, is a decentralized payment financing solution. It allows businesses and individuals to access liquidity by leveraging future income or receivables, providing a much-needed alternative to traditional credit systems. By utilizing blockchain and stablecoins, the PayFi network enhances the transparency and efficiency of payment processing and settlement, enabling users to quickly access funds without relying on traditional banks.

Arf Integration

Arf is an important component of Huma's cross-border liquidity solutions. It provides real-time, low-cost liquidity supply for international payments. Through Arf, financial institutions and payment service providers can instantly settle cross-border transactions by accessing global liquidity pools. This helps eliminate the need for pre-deposit accounts, reduce operating costs, and accelerate international settlement speeds.

Raincard

Raincard is Huma's corporate card solution, designed specifically for Web3 and blockchain-native enterprises. Unlike traditional corporate cards, Raincard is backed by digital assets, enabling Web3 teams to use their crypto assets as collateral to obtain corporate credit. This allows blockchain companies to maintain liquidity without converting assets to fiat, providing flexible financial tools that seamlessly integrate with the decentralized finance ecosystem.

BSOS and Zeebu

These products target specific industries — trade financing and telecom payments, respectively. BSOS provides blockchain-backed trade financing solutions that optimize supply chain financing through automated invoice factoring and receivables financing processes. Meanwhile, Zeebu simplifies telecom roaming payments by streamlining complex transactions between global telecom operators. By using Huma's infrastructure, both solutions bring transparency and efficiency to traditionally opaque and slow-moving industries.

Instant RWA (Real World Asset) Solutions

Huma's instant RWA solution focuses on the tokenization of real-world assets, allowing for fast and transparent settlements. By bringing real-world assets on-chain, Huma enables users to unlock liquidity from physical assets while maintaining complete transparency of ownership and transaction history. This product supports multiple asset classes, from real estate to receivables, providing businesses and individuals with an innovative way to manage and monetize their physical assets in the digital economy.

Through these products, Huma Finance is revolutionizing financial access and liquidity, pushing the boundaries of decentralized finance in both traditional and blockchain markets.

4. Core Application Tools

1. Transaction Layer: The foundation of this ecosystem is the transaction layer, where high throughput, low cost, and fast settlement are essential. Leading blockchain platforms like Solana and Stellar play a significant role in this area by providing infrastructure for rapid and low-cost transactions. By using tools such as Solana Pay and the Stellar Disbursement Platform, Huma ensures that daily financial activities (such as payments, transfers, and settlements) are both efficient and secure, laying the groundwork for further innovation.

2. Currency Layer: The currency layer is the primary application space for stablecoins (such as USDC and PYUSD). These stablecoins provide price-stable digital currencies and are ideal for widespread distribution and integration into traditional financial systems. Huma cleverly utilizes stablecoins to provide cross-border liquidity while ensuring compliance with financial regulations. Furthermore, by adopting revenue-sharing stablecoin and regional stablecoin mechanisms, Huma significantly enhances the platform's financial inclusivity and reach, successfully building a seamless bridge between decentralized finance (DeFi) and traditional financial institutions.

3. Custody Layer: Security is crucial when managing digital assets, which is where the custody layer comes into play. Institutional-grade custody providers like Fireblocks and Copper offer advanced solutions for asset management within the PayFi network. These custodians ensure that financial institutions and other Huma service users can confidently hold and trade digital assets securely, providing robust protection for funds.

4. Financing Layer: The unique value of Huma Finance lies in its financing layer, which integrates specialized payment financing protocols for short-term financing solutions. By combining credit rating solutions and decentralized oracles, Huma is able to optimize liquidity and risk management. This layer allows businesses and individuals to collateralize future income streams or other assets in a decentralized and transparent manner, fundamentally changing the way short-term financing is accessed.

5. Compliance Layer: Given the increasing regulatory focus in the blockchain space, the compliance layer is crucial for Huma's operations. The platform integrates leading compliance solutions from companies like Chainalysis and Elliptic to ensure adherence to regulatory requirements and prevent illegal activities. At the same time, Huma is exploring privacy-first platforms to address key challenges in balancing regulatory compliance and user privacy within the blockchain financial ecosystem.

6. Application Layer: Finally, the application layer integrates all elements, providing real-world applications for Huma's infrastructure. For example, Arf is used for cross-border payments, and Zeebu is used for telecom roaming payments, with these applications leveraging Huma's financial network to provide innovative solutions for specific industry challenges. These applications not only showcase Huma's versatility but also prove the platform's capability to tailor financial solutions to the needs of different industries.

5. Team Introduction

6. Financing History

Currently disclosed total financing for Huma Finance is approximately 46.3 million USD.

7. Token Economics

Token Distribution and Unlocking:

8. Secondary Market Performance Prediction

1. Recent Performance of Binance Launchpool

Recently, the market has surged, and recent Launchpool projects have performed relatively average, with strong participation enthusiasm, totaling over 19 million BNB involved.

2. On-chain Borrowing Costs

According to the on-chain BNB lending situation, users participating in this Launchpool using loans need the price to reach 0.396.

USD must exceed to cover borrowing costs during the period.

3. Track Comparison

Currently, in the payment + L1 track, projects that align with the concept and technology include Alchemy Pay (ACH). If HUMA benchmarks this project, the launch price would be around 0.13 USD.

4. Pre-market Price

From Pro.Whales.Market, the pre-market price of HUMA can be seen, currently priced at 0.075 USD, with a cumulative trading volume of 60,000 USD.

In summary, the HUMA token is expected to fluctuate around 0.06 USD at the opening, with a high opening possibly reaching 0.13-0.15 USD.

References:

Binance Announcement,

https://www.binance.com/en/support/announcement/detail/515c45c283ea44c59b7f4623a3512666

Gate Learn,

https://www.gate.com/zh/learn/articles/huma-finance-the-first-pay-fi-network/4297

RootData,

https://cn.rootdata.com/Projects/detail/Huma%20Finance?k=NTIwNQ%3D%3D