#TrumpTariffs How Huma Finance (HUMA) Works
Huma Finance operates on a three-layer blockchain protocol:
1. Transaction Layer: Built on Solana’s high-performance network for instant settlement.
2. Currency Layer: Integrates stablecoins such as USDC to reduce foreign exchange volatility risk.
3. Financing Layer: Businesses can obtain immediate liquidity from decentralized capital pools using on-chain credit credentials (e.g., accounts receivable).
This model compresses the roles of banks, payment institutions, and factoring companies into a single automated protocol. For instance, an SME exporter can stake USDC in Huma’s liquidity pool and immediately draw 80% of its receivables for working capital. Liquidity providers earn an annualized yield of 10.5% through lending.