$Why Huma Finance is Worth Attention?
Leading Position in the Industry
Huma Finance is a pioneer in the PayFi (Payment + Finance) sector, reconstructing the global payment settlement system through blockchain technology. It upgrades traditional cross-border payments (such as SWIFT which takes 1-5 business days and incurs fees of 2%-6%) to on-chain settlement in seconds, reducing costs by over 90%. It has processed over $3.8 billion in transactions and aims to exceed $10 billion by 2025, with a growth rate far surpassing traditional solutions like Ripple.
Genuine Revenue-Driven, Mature Business Model
Sustainable sources of income: 80% of funds are allocated to PayFi assets with an annualized return of 12.5%+ (such as cross-border payment financing), and 20% is invested in DeFi protocols (such as Aave, Kamino), achieving a net yield of 11%. Users can obtain a stable USDC return of 10.5% (Classic model).
Low-risk collateral mechanism: All loans are secured by real receivables, commercial contracts, and other RWA assets, with a default rate of 0% (compared to competitors TrueFi and Maple, which have multiple defaults).
Support from Corporate Demand: Serves the funding needs of payment companies, with clients paying a daily fee of 6-10 basis points (annualized 15%-25%), resulting in high capital utilization and rigid demand.
Top-tier Capital and Ecosystem Endorsement
Backed by investments from Circle Ventures, Solana Foundation, HashKey Capital, among others, with a total funding amount of $46.3 million.
Deep integration with the Solana ecosystem, launching the $PST strategy token, seamlessly combining with leading protocols like Jupiter and Kamino to enhance capital efficiency.