@Huma Finance 🟣 is a pioneering “PayFi” network that redefines global payments by blending traditional finance mechanisms with blockchain speed and transparency. It enables institutions—and now retail users—to settle payments 24/7 using stablecoins, eliminating the delays and costs of legacy systems like SWIFT and pre-funded accounts Reddit+12Binance+12XT.com+12. The platform tokenizes real‑world receivables—such as invoices and remittances—into collateral, unlocking immediate liquidity for businesses while offering liquidity providers predictable stablecoin yields and HUMA token rewards humafinance.org+6XT.com+6xtrust.zendesk.com+6.

After raising $8.3 M in seed funding (Feb 2023) and $38 M in Series A (Sept 2024), Huma merged with Arf in April 2024 to bolster its cross-border liquidity capabilities Reddit+3Messari+3Reddit+3. Its tokenomics are designed for deflationary pressure, with 50 % of borrower fees used to buy and burn HUMA tokens Reddit+15XT.com+15xtrust.zendesk.com+15. As of mid‑2025, Huma 2.0 offers both permissionless and institutional access, with flexible lock‑ups and reward modes (“Classic” and “Maxi”) aimed at diverse participants Binance+1Gate.com+1.

Today, Huma has processed over $4 B in on‑chain volume, maintaining institutional backing from Solana Foundation, Circle, Stellar, and Galaxy Digital blog.huma.finance+4Bitget+4XT.com+4. With its real‑world asset model, permissionless access, and strong yields, Huma Finance stands as a transformative force in DeFi + Payments. #HumaFinance