The white paper reveals its long-term strategic core: to reconstruct the underlying logic of global payments and finance through blockchain technology, aiming to become the 'liquidity translation layer' connecting traditional finance and DeFi.
1. RWA scaling expansion
The white paper plans to continuously bring real-world assets (RWA) such as accounts receivable and payroll onto the chain, with an expected coverage of $250 trillion in the global trade finance market by 2030. Asset securitization will be achieved through an SPV structure, and zero-knowledge proof technology will be introduced to protect privacy, attracting institutional funds.
2. Technical architecture upgrade
The long-term technical roadmap includes:
• Cross-chain compatibility: Expanding from the high-performance main chain of Solana to ecosystems like Ethereum and Polygon, enhancing asset interoperability;
• Dynamic yield engine: Transforming payment flows into interest-generating assets, supporting user-defined yield strategies (such as fixed APY or maximizing airdrop points).
3. Regulatory collaboration and ecosystem binding
The white paper emphasizes proactive compliance, such as participating in the EU MiCA sandbox program, and co-creating clearing agreements with institutions like VISA and Standard Chartered to address bottlenecks in fiat currency inflows and outflows. At the same time, a developer incentive program will build a 'PayFi Lego ecosystem,' analogous to Android's open model.
4. Token deflation and value capture
50% of transaction fees are used for HUMA buyback and burn. If the annual trading volume reaches $10 billion, the annual burn amount will account for 14.5% of the circulation, promoting token scarcity. The long-term goal is to make HUMA the 'Bitcoin of the payment finance sector' through a deflationary model.
Challenges and prospects
Despite facing regulatory uncertainties and technical risks, Huma's long-term vision is to compress global payment fees to 0.1%, releasing hundreds of billions of dollars in value dividends. If the market share reaches 15%, HUMA's market value may exceed $12 billion, reshaping the efficiency of capital flow.
