MEET HUMA 2.0
A crucial moment for Huma and the DeFi ecosystem, with the launch of Huma 2.0, our composable, compatible, permissionless yield platform built on Solana. With Huma 2.0, we are providing access to a stable double-digit yield generated by real payment financing activities. Opportunities once reserved for institutions are now available to everyone — and it’s about time.
By making our product permissionless, we make real yield accessible to all, allowing anyone, anywhere, to profit from the flow of real trade.
We designed Huma 2.0 with flexibility and freedom of choice at its core, launching a set of features that allow users to choose how they want to earn. Here’s a summary of what it includes: Choose the path that best suits your goals:
Classic mode: Offers stable real yield in double digits (currently 10.5% USDC APY, updated monthly) combined with the base Huma Feathers. Think stability, predictability, and sustainability.
Maxi mode: Designed for Huma maxis. Skip the yield in USDC (0% APY) to maximize Huma feathers, earning up to 25x more feathers during the limited-time launch promotion. Go all in, bet everything.
Flexibility: LPs can change the mode of their existing positions at any time, with no extra costs other than gas fees.
Optional locks for more rewards: Although not mandatory, locking your deposit for 3 or 6 months significantly increases your Feather reward multipliers. The greater the commitment, the higher the multiplier. During the lock period, users generally cannot withdraw their funds without losing some accrued rewards, thus ensuring predictable liquidity management for Huma and stable returns for users.
$PST: Liquid and composable LP token: Depositing in Classic mode guarantees the liquid LP token $PST (PayFi Strategy Token). It represents your stake, generates yield, and has been designed for DeFi composability, integrating seamlessly into the Solana ecosystem. Our integration partners for the launch of Huma 2.0 are:
Jupiter: Swap $PST for USDC at any time, instantly.
Kamino: Borrow USDC based on your $PST. Loop, farm, and maximize yield (coming soon).
RateX: Split PST to enter leveraged YT/PT strategies (coming soon).
Referral system: Grow the community and be rewarded. Earn 10% of the Feathers collected by friends you invite for an entire year.
Why this launch is important
Let’s be realistic. Finding stable and sustainable double-digit yield is a tough task. Historically, it has been reserved for top institutions and family offices, while most people settle for fractions of a percentage point. Much of the DeFi yield, despite unlocking access, has been driven by speculation, token emissions, and market cycles, often proving unsustainable, especially in bear markets. DeFi yield usually comes from token incentives or staking rewards tied to highly speculative activities, making them prone to volatility and strong fluctuation depending on market cycles. The timing for Huma 2.0 could not be more critical. DeFi is ready for a new kind of yield – one that is based on real life.
In this context, the tools for a better system are maturing rapidly. Stablecoins are experiencing insane growth, with transaction volumes recently soaring to $35 trillion, highlighting their rapid adoption as efficient financial rails. Huma leverages these stablecoins and blockchain technology to power its PayFi network.
This confluence – the market's need for sustainable yield and the rise of stablecoins – makes this the perfect moment for Huma 2.0. By utilizing stablecoins and on-chain liquidity, Huma’s PayFi network accelerates global payments, generating a stable double-digit yield, derived from real financial activities.
Real life, real yield: stable in up or down
We cannot emphasize enough; this yield is built differently! PayFi yield comes from real financial activities – transaction fees paid by businesses using the network.
Here’s the mechanism: every time a business accesses the PayFi network to settle a payment, it pays a daily fee (typically 6 to 10 basis points) to access liquidity until it is reimbursed. Since liquidity is reimbursed frequently – usually within one to five days – the same capital can be recycled many times a year. This rapid turnover creates a compounding effect that drives strong and recurring yields for liquidity providers.
The result is a stable double-digit yield that does not depend on bull markets or token farming. This yield does not follow market cycles. Markets go up and down; PayFi yield does not. Regardless of whether cryptocurrencies are up or down, people still spend, send, and settle – that’s where the yield comes from. This makes Huma's stable double-digit yield incredibly attractive and reliable, especially in bear markets, when other sources may dry up. It is driven by real businesses moving real money. As long as global trade continues (and we all know it will), the yield will be sustainable.
Join the PayFi Movement.
Huma 2.0 goes beyond a new platform; it is an invitation to participate in a more open, efficient, and accessible financial future, embodying our mission to accelerate the movement of money for a constantly active world. It reflects the spirit of Huma – a reminder to aim higher, free ourselves from what holds us back, and embrace the infinite possibilities that await us.
All previous financial revolutions served a few. Remember those who weren’t invited to the last financial revolution – the one led by PayPal, Stripe, and other gatekeepers? This time, it’s different. The barriers have disappeared, the system is changing, and power is no longer centralized. PayFi is opening access.
With Huma 2.0, you can truly be part of the next financial revolution. By signing up now, you gain early access to this unique yield source, accumulate Huma Feathers, and get a head start on our upcoming Token Generation Event (TGE), as we prepare to be the first major project launched on Jupiter's LFG 2.0 platform. Early support for real-life finance brings real advantages.
@Huma Finance 🟣 #HumaFinance #HumaFinanceLaunch #HumaFinanceCoin #HUMAFINANCE🟣 $HUMA
