@Huma Finance 🟣 #HumaFinance Huma Finance is a blockchain protocol platform focused on 'Payment Financing' (PayFi), dedicated to providing on-chain stablecoin financing solutions for global payment scenarios. It helps payment companies and users enhance capital efficiency by transforming accounts receivable, settlement cycles, and prepayment issues generated in traditional payment systems into structured credit products on-chain, achieving 24/7 liquidity scheduling and instant settlement. Huma's vision is to integrate real-world payment processes with the DeFi world, creating a trustworthy, efficient, and transparent global payment financial infrastructure.

Huma's business consists of two main parts: Huma Institutional (Institutional Version) and Huma 2.0 (Open Version). The Institutional Version targets licensed financial institutions, providing compliant licensed financing pools where participants must complete KYC/KYB; the Open Version caters to regular crypto users, who do not need identity verification and can participate in the yield pool and receive platform token incentives by simply depositing stablecoins like USDC. All fund operations are realized through smart contracts, ensuring fund security and transparency.

As of now, Huma has issued over $2.3 billion in financing limits, processing a total transaction volume exceeding $4.5 billion. The platform supports multiple blockchains, including Ethereum, Polygon, Stellar, Solana, and others. Its native token HUMA has a total issuance of 10 billion tokens, primarily used for community incentives, liquidity rewards, and future protocol governance.

Huma's goal is to provide more efficient, low-cost, and censorship-resistant on-chain solutions for real financial needs such as global payments, cross-border settlements, consumer installment plans, and corporate accounts receivable through decentralized credit technology, promoting PayFi to become the next mainstream financial track in blockchain.