Huma Finance---PayFi network accelerates cross-border and credit card payments, providing instant liquidity.
Project Overview
Huma Finance is the world's first PayFi (payment finance) protocol based on real asset collateral, dedicated to optimizing corporate payment and financing efficiency through blockchain technology. Its core innovation lies in putting accounts receivable (like invoices, trade payables) on-chain as collateral to provide instant liquidity to businesses while offering stable returns and governance rights to investors. As of Q1 2025, the protocol has processed over $4.5 billion in on-chain transaction volume, covering early demand in the global trade finance market.
Core Functions and Advantages
Real Asset Collateral Model
Businesses can upload invoices or payables to the blockchain, and upon approval, they can obtain USDC/USDT stablecoin loans, with settlement time reduced from the traditional finance 2-5 days to seconds.
Collateral assets are backed by well-known enterprises, with default risk significantly lower than unsecured loans (like TrueFi, Maple Finance).
Dual Yield Mechanism
Stablecoin Yield: Liquidity providers (LP) depositing stablecoins can earn a base yield (currently about 10.5% annualized).
HUMA Token Rewards: LPs can choose to sacrifice part of their stablecoin yield in exchange for more HUMA token incentives, with the reward multiplier reaching up to 17.5 times.
Deflationary Token Economy
50% of the fees paid by borrowers are used to buy back and destroy HUMA, creating ongoing deflationary pressure.
As the token supply decreases, it will support the price trend of HUMA in the long term.
Detailed Explanation of the Token Model (HUMA)
Basic Token Information
Total Supply: 10 billion HUMA
Initial Circulation: Approximately 17.3% (1.73 billion), including airdrops, exchange listings, liquidity incentives, etc.
Token Distribution and Release Rules
Distribution Category Percentage Release Rules Liquidity Providers and Ecological Incentives 31% Quarterly release, balancing liquidity needs and inflation control Early Investors 20.6% 12-month lock-up + 3-year linear vesting, ensuring long-term interests alignment Team and Advisors 19.3% Same release cycle as investors, supporting continuous product innovation Protocol Treasury 11.1% Released in batches quarterly, used for strategic reserves, partnerships, and liquidity management Exchange Listings and Market Promotion 7% Specially allocated for brand building and ecological expansion Initial Airdrop 5% Aimed at liquidity providers (65%), ecological partners (25%), and community participants (10%), to be claimed after TGE Market Making and On-chain Liquidity 4% Supports initial trading depth for DEX/CEX Pre-sale 2% For strategic partners and early supporters Future Airdrops 5% Reserved for ecological expansion and new feature incentives.
Core Uses and Governance Mechanism
Protocol Governance: Token holders can participate in decisions such as parameter adjustments and reward distribution, promoting community governance.
Liquidity Mining: As the main incentive method, rewards LPs, developers, and ecological partners.
Ecological Growth: Support new user engagement, cross-chain collaboration, and developer tool innovation.
Fee Rebate: The protocol will open up a revenue-sharing mechanism in the future, allowing token holders to share platform earnings through staking.
Practical Features: Priority participation in new pools, access to advanced features (such as data analysis, accelerated withdrawals).
Market Positioning and Competitive Analysis
Differentiated Advantages:
Compared to DeFi lending platforms (like TrueFi, Maple), Huma reduces default risk through real asset collateral.
In comparison to RWA protocols (like Centrifuge), Huma focuses on payment financing scenarios, making the process more efficient.
Ecological Support:
Integrated with both Solana and BSC, collaborating with DEX aggregators like Jupiter, Kamino, to ensure trading depth.
Secured strategic investments from institutions like the Solana Foundation and Circle, with a complete compliance and risk control system.
You can enter the invitation code when registering on Binance: DBQAREOK
Follow me for periodic updates on various project information!
https://www.marketwebb.club/en-US/join?ref=DBQAREOK
