#HUMAFINANCE🟣 is a decentralized protocol that unlocks real-world DeFi by leveraging income and receivables as collateral. The platform supports lending and borrowing through a novel PayFi model, enabling access to credit without traditional collateral. $HUMA

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@Huma Finance 🟣 $HUMA is the first PayFi network, enabling global payment institutions to process payments 24/7 using stablecoins and on-chain liquidity. It addresses the slowness, high fees, and unfair structure of traditional financial systems. Let’s dive into the details of Huma Finance (HUMA) and its purpose.

What is Huma Finance?

Huma Finance is the pioneering PayFi network that facilitates 24/7 payment processing for global institutions through stablecoins and on-chain liquidity. Supported by prominent partners like Solana, Circle, Stellar Development Foundation (SDF), and Galaxy Digital, Huma has processed over $3.8 billion in transaction volume, delivering double-digit real-world yields to its liquidity providers (LPs).

Huma’s Two Versions

  1. Huma (Permissionless): Launched in April 2025, this version is open to all, allowing retail investors to participate in Huma pools.

  2. Huma Institutional: A permissioned service tailored for institutional investors, offering curated, receivables-backed credit opportunities within a regulated framework.

Why Huma?

Traditional financial systems are plagued by slowness, high costs, and inequitable profit distribution. Banks channel deposit yields to shareholders and bureaucracy, leaving depositors with minimal returns. Huma offers solutions:

  • Instant Payments: Merchants and suppliers receive payments instantly.

  • Low Fees: Migrant workers can send money home without excessive remittance fees.

  • Transparent Yields: Everyone can earn returns on equal terms, free from bank deductions.

Huma builds the future of finance with PayFi, synchronizing money movement with modern commerce.

Huma 2.0 Features

Huma 2.0, launched on Solana in 2024, provides sustainable yields to LPs. Key features include:

  • Permissionless Access: No KYC/KYB or professional investor status required.

  • Classic and Maxi Modes:

    • Classic Mode: Offers 10.5% APY with balanced Huma Feathers rewards.

    • Maxi Mode: Forgoes stable yield for maximum Huma Feathers rewards.

  • Flexible Lockups: LPs can choose no lockup or 3/6-month lockups to boost rewards.

  • DeFi Integrations: Compatible with Solana DeFi protocols like Jupiter, Meteora, Kamino, and RateX.

  • Huma Feathers Rewards: A loyalty program to incentivize participation.

What are Huma Feathers?

Huma Feathers is a loyalty system rewarding engagement with the Huma Protocol. Inspired by the mythical Huma bird, symbolizing prosperity and renewal, it reflects the platform’s agility and long-term vision. Existing Huma Points were converted to Feathers at a 1:1 ratio.

Ways to Earn Feathers:

  • Mode Multiplier: Maxi Mode offers higher rewards than Classic Mode.

  • Lockup Multiplier: 3-month (2x) or 6-month (3x) lockups, with promotional boosts to 3x and 5x.

  • OG LP Multiplier: Lifetime bonus for pre-Huma 2.0 active LPs.

  • Community Multiplier: Temporary boost for users referred by partner communities.