大智-X
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PayFi track is quietly taking off, is @Huma Finance 🟣 worth a look?
🧾 Project Introduction｜What is $HUMA actually doing?
Huma Finance is a modular decentralized finance protocol, mainly focused on the two core businesses of 'on-chain credit' and 'payment financing', addressing issues like slow payments, difficult financing, and poor liquidity in reality. In other words, it aims to be a 'blockchain version of Huabei + cross-border settlement network'.
It mainly offers two products:
Huma Institutional: More geared towards institutional clients, requiring compliance certification (KYC/KYB), suitable for professional investment institutions.
Huma 2.0: Targeted at all ordinary users, no permission, open liquidity pool, allowing deposits of stablecoins to earn interest.
The currently integrated chains include: Solana, Stellar, and multiple EVM public chains, with potential for further expansion in the future.
🌟 I think it has several standout points:
✅ 1. There are real businesses running, not just a PPT project
Launched in 2022, it has exceeded a trading volume of 3.8 billion USD to date, of which 2.3 billion is from credit business, not just a 'paper prosperity' relying purely on incentives to pile up TVL.
✅ 2. The technical structure is not complex, but pragmatic
Huma uses a modular architecture, supporting multi-chain and various stablecoin settlements (USDC, PYUSD, etc.). Recently, it has launched on Solana, achieving fast transaction speeds and low costs.
✅ 3. Strong background, stable funding
The total financing has exceeded 46 million USD, supported by institutions such as DG, Circle, Stellar Foundation, Galaxy Digital, etc.
In 2024, it will merge with Arf (cross-border payment platform), enhancing payment capabilities, currently achieving a 0% default rate.
✅ 4. Community incentives are well done
In May, $HUMA completed TGE (token launch), initiating a promotion plan that combines airdrop + writing incentives + point mining.
Is $HUMA worth paying attention to?
If you belong to the following groups in the crypto space, then HUMA is worth adding to your watchlist:
✅ More focused on medium to long-term value, inclined to hold projects with fundamental support;
✅ Enjoy participating in early engagement opportunities like content, interaction, and task airdrops;
✅ Interested in directions with grounded logic like RWA, PayFi, and on-chain credit;
Relying on real trading scenarios and stable income models to support project development. In the past few market cycles, it has proven to be more risk-resistant and sustainable.
#HumaFinance
🧾 Project Introduction｜What is $HUMA actually doing?
Huma Finance is a modular decentralized finance protocol, mainly focused on the two core businesses of 'on-chain credit' and 'payment financing', addressing issues like slow payments, difficult financing, and poor liquidity in reality. In other words, it aims to be a 'blockchain version of Huabei + cross-border settlement network'.
It mainly offers two products:
Huma Institutional: More geared towards institutional clients, requiring compliance certification (KYC/KYB), suitable for professional investment institutions.
Huma 2.0: Targeted at all ordinary users, no permission, open liquidity pool, allowing deposits of stablecoins to earn interest.
The currently integrated chains include: Solana, Stellar, and multiple EVM public chains, with potential for further expansion in the future.
🌟 I think it has several standout points:
✅ 1. There are real businesses running, not just a PPT project
Launched in 2022, it has exceeded a trading volume of 3.8 billion USD to date, of which 2.3 billion is from credit business, not just a 'paper prosperity' relying purely on incentives to pile up TVL.
✅ 2. The technical structure is not complex, but pragmatic
Huma uses a modular architecture, supporting multi-chain and various stablecoin settlements (USDC, PYUSD, etc.). Recently, it has launched on Solana, achieving fast transaction speeds and low costs.
✅ 3. Strong background, stable funding
The total financing has exceeded 46 million USD, supported by institutions such as DG, Circle, Stellar Foundation, Galaxy Digital, etc.
In 2024, it will merge with Arf (cross-border payment platform), enhancing payment capabilities, currently achieving a 0% default rate.
✅ 4. Community incentives are well done
In May, $HUMA completed TGE (token launch), initiating a promotion plan that combines airdrop + writing incentives + point mining.
Is $HUMA worth paying attention to?
If you belong to the following groups in the crypto space, then HUMA is worth adding to your watchlist:
✅ More focused on medium to long-term value, inclined to hold projects with fundamental support;
✅ Enjoy participating in early engagement opportunities like content, interaction, and task airdrops;
✅ Interested in directions with grounded logic like RWA, PayFi, and on-chain credit;
Relying on real trading scenarios and stable income models to support project development. In the past few market cycles, it has proven to be more risk-resistant and sustainable.
#HumaFinance
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.