@Huma Finance 🟣 #humafinance

Huma Finance is the first global "PayFi" (Payment Finance) network, designed to enable instant 24/7 settlements of global payments using stablecoins and on-chain liquidity .

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🧩 How does it work?

1. Liquidity and instant payments

• Integrates stablecoins like USDC/USDT to settle bills or cross-border payments instantly, eliminating the 2–5 day delays of traditional banking systems .

2. Token $HUMA

• Native currency for governance, staking, rewarding liquidity providers (LPs), and activating deflationary mechanisms (such as token buybacks and burns) .

• Total supply: 10,000,000,000 HUMA, with about 1.73 billion circulating so far .

3. Dual models

• Huma 2.0 (Permissionless): Open access to any retail user from April 2025, without KYC, with classic or Maxi yield options .

• Huma Institutional: Platform with KYC/KYB for institutions, backed by real assets like receivables .

4. Focus on real-world assets (RWA)

• Tokenization of invoices or receivables to provide liquidity, combining real yield and financial stability  .

5. Key partners and drivers

• Backed by giants like Solana, Circle, Stellar Development Foundation, Galaxy Digital, etc. .

• Processed volume: over USD 3.8 – 4.5 billion .

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🔍 Why is it relevant?

• Eliminates delays: allows money to move as fast as information.

• Attractive yields: LPs have achieved double-digit APYs plus rewards in $HUMA .

• Robust design: combines DeFi and institutional compliance, with auditing and buyback/burn mechanisms.

• Scalability: with ambitions to reach USD 10 billion in volume by the end of 2025 and facilitate T+0 settlements $HUMA