HUMA Staking Tutorial: Annual Yield and Risk Guide
1. Yield Model and Operating Steps
Huma Finance offers two staking models, allowing users to earn rewards by staking USDC or HUMA tokens:
• Classic Model: Stable annual yield of 10.5% on USDC, while also earning Huma Feathers rewards (points multiplier of 1-5 times, depending on the lock-up duration).
• Maxi Model: Forfeits USDC yield to focus on obtaining 5 times Feathers rewards, suitable for long-term ecological participants.
Operating Process:
1. Connect your Solana wallet (e.g., Phantom) to the Huma official website;
2. Deposit USDC and choose Classic or Maxi model, or directly stake HUMA tokens;
3. Locking for 3-6 months can enhance the rewards multiplier (e.g., 3-month lock-up earns 3 times Feathers).
2. Sources of Income and Advantages
• Real Income Support: Income is derived from commission sharing on cross-border payment financing and trade financing, not an inflation model.
• Deflationary Mechanism: 50% of the protocol's income is used for HUMA buybacks and burns, enhancing the token's value in the long run.
3. Risk Warning
• Market Volatility: HUMA price fluctuations may affect the value of staked assets;
• Smart Contract Risk: Need to audit the protocol's security;
• Unlocking Sell Pressure: Token unlock in August may trigger short-term price volatility.
Summary: HUMA Staking is suitable for users seeking stable income and ecological development, but one must weigh the lock-up period against market risks.
