Huma Finance is a decentralized protocol aimed at facilitating access to liquidity by using future income as collateral. In other words, individuals and businesses can use their future salaries or invoices as collateral to obtain financing, without the need for traditional assets as collateral.
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🔗 How does Huma work?
Income-based financing: Users can obtain financing using their future income as collateral, such as salaries or invoices.
Global Payments: Huma facilitates cross-border payments using stablecoins, allowing money to be transferred quickly and at a low cost.
Products:
Huma 2.0: An open platform for individual users.
Huma Institutional: A dedicated service for financial institutions that requires identity verification.
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🪙 What is the HUMA token?
HUMA is the native token of the Huma Finance protocol and is used for:
Governance: Token holders can participate in decisions related to the development of the protocol.
Rewards: Used to provide rewards to liquidity providers and participants in the system.
Incentives: Encourages users to actively participate in the Huma ecosystem.
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📊 Huma's performance so far
Total transaction volume: Exceeded $4.5 billion.
Number of active wallets: Over 53,000 wallets.
Financing provided: Over $2.3 billion has been provided in the form of income-based financing.
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💰 Funding and partners
Huma has secured funding of $46.3 million from prominent investors such as:
Circle Ventures
Stellar Development Foundation
HashKey Capital
ParaFi Capital
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📈 HUMA listed on Binance
The HUMA token was listed on Binance Launchpool, where users can farm using BNB, USDC, and FDUSD tokens to obtain HUMA tokens. Official trading of the token began on May 26, 2025.
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🧠 Why is Huma an innovative project?
Focus on income: Financing is available for individuals who do not possess traditional assets.
Instant Payments: Facilitates global payments using stablecoins.
Integration with DeFi: Combines traditional and decentralized finance.