Huma Finance (HUMA) is defining a bold new frontier in blockchain-enabled credit through its PayFi network—integrating payments and financing to support real-world income‑ and receivables‑based lending on-chain.
Rather than relying on crypto as collateral, Huma enables borrowers—such as freelancers, SMEs, and cross-border payroll or remittance recipients—to borrow instantly against future income (invoices, salaries, remittances), offering liquidity of 70–90% of their expected revenues via smart contract execution. This Time‑Value‑of‑Money (TVM) model quantifies future cash flows at millisecond-precision, maximizing liquidity while minimizing delay.
Built on fast, low-fee blockchains like Solana and Stellar, Huma’s protocol supports millions in daily transaction volume. As of mid‑2025, it has processed over $3.8 billion in transaction volume and originated billions in credit.
It offers two main variants: “Huma Institutional” (permissioned, KYC‑regulated) and “Huma 2.0” (permissionless retail pools open since April 2025).
Backed by institutional capital—including a $38 million equity round led by Distributed Global and support from the Stellar and Solana Foundations—Huma merged with Arf to unify cross‑border liquidity tools and accelerate adoption across blockchains.
Huma aims to scale rapidly—targeting $10 billion in total payment financing volume by end of 2025—and to drive improvements in same‑day settlements, DeFi composability, and ecosystem education.
By tokenizing credit and unleashing real-time liquidity, Huma is pioneering a new on-chain lending paradigm that bridges income streams and programmable money.
