Huma Finance is an innovator in the PayFi (payment finance) sector, committed to optimizing global payment and credit processes through blockchain technology. Its core is utilizing stablecoins and on-chain liquidity to provide instant cross-border payment settlements (based on Solana/Stellar networks) and unsecured lending services (with real assets such as salaries and accounts receivable as credit collateral), significantly reducing the cost and time of traditional cross-border payments.
$HUMA @Huma Finance 🟣 #humafinance
Key achievements and innovations:
Business scale: Over $4.5 billion in transaction volume processed, creating $2.3 billion in credit funds, maintaining a zero default record, and achieving risk control automation based on on-chain credit assessment models.
Token economy: The native token HUMA (total supply of 10 billion coins) has both governance and utility functions; under the deflationary mechanism, 50% of protocol fees are used for buybacks and burns, supporting long-term value.
Ecosystem expansion: Multi-chain deployment (Solana/Stellar/EVM), integrating 12 loan pools and Solana ecosystem applications, set to launch via Binance Launchpool in 2025, with airdrops attracting over 500,000 users to participate.
Challenges and prospects: Despite facing risks such as off-chain risk control transparency, stablecoin decoupling, and regulatory uncertainties, its $46 million financing background and merger with cross-border payment provider Arf are accelerating the implementation of global inclusive finance.