Huma Finance is an innovative DeFi protocol focused on building the first PayFi (Payment Finance) network. It bridges traditional financial use cases—like payroll advances, invoice factoring, and cross-border payments—with blockchain technology, using stablecoins for real-time, secure, and global financial flows.
The protocol offers two layers of access:
Huma Institutional: A permissioned platform tailored for regulated, large-scale finance.
Huma 2.0: A permissionless, open platform that allows everyday users to earn real yield from real-world financial activity.
With over $4.5 billion in financing volume, Huma has established itself as a serious player in on-chain finance. Instead of relying on inflationary token rewards, its returns come from fees on actual payment activity, making it a sustainable model for long-term DeFi.
