Huma Finance – The PayFi protocol that revolutionizes payments + DeFi
Huma Finance is the first PayFi (Payment Finance) protocol.
It allows institutions to make cross-border payments 24/7 in stablecoins with instant on-chain liquidity.
💡 No more SWIFT. No more banking delays.
Huma makes global finance seamless, fast, and programmable.
⚙️ How it works
The protocol is based on 3 integrated layers on Solana:
1️⃣ Transaction layer → for instant settlements
2️⃣ Stablecoin layer ($USDC ) → for stability of transfers
3️⃣ Financing layer → to offer credits based on actual revenues
Companies can tokenize their future receivables (e.g., invoices), obtain **immediate liquidity, and this without crypto collateral
📈 Business model & yield
Institutions borrow with a small daily fee (6 to 10 bps), usually for 1 to 6 days.
This system allows for infinite capital reuse while generating sustainable returns for liquidity providers.
🪙 Token $HUMA
🔸 Total supply: 10B
🔸 Circulating: ~1.73B (≈17%)
Utilities:
- Governance via staking
- Rewards for liquidity providers
- Automatic burn mechanism (deflationary pressure)
📊 Key data (July 2025)
🔹 Current price: $0.037 – $0.048
🔹 Market cap: $64M – $66M
🔹 ATH: $0.115 (May 2025)
🔹 24h volume: up to $160M, with +20% on Binance
🤝 Support & Audits
✅ Backed by Circle, Stellar Dev Foundation, Galaxy Digital
✅ Security audits: Halborn, CertiK, Spearbit
✅ +$3.8 billion in processed volume without incident
Conclusion 🔽
Huma is not just another DeFi project.
It connects the real world and on-chain, with a solid approach, serious partners, and clear utility.
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A gem to keep a close eye on. 👀
