@Huma Finance 🟣 is a decentralized finance (DeFi) protocol focused on Payment Finance (PayFi), aiming to bridge real-world assets like salaries, invoices, and cross-border remittances with on-chain credit collateral.
It’s the first PayFi network, enabling global payment institutions to settle transactions 24/7 using stablecoins and on-chain liquidity.
Key features include instant access to liquidity for payments, support for use cases like cross-border payments, credit cards, trade finance, and DePiN financing, and yield opportunities for users (e.g., up to 10% APY in Classic Mode or higher in Maxi Mode on Huma 2.0).
The platform operates on blockchain technology, with partnerships like Superstate Funds for asset optimization on Solana.
The native token, HUMA, is priced at approximately $0.0346-$0.06575 USD, with a 24-hour trading volume of around $33 million and a market cap reflecting its circulating supply.
Huma Finance has raised funds through multiple rounds, with the latest in February 2024, and is backed by investors listed on platforms like CryptoRank.
The protocol emphasizes real yield opportunities and has been featured in reports like Messari’s State of Stablecoins for its role in digital finance innovation. It’s not available to U.S. persons or residents of restricted territories due to regulatory constraints.
