HUMA Through the Analyst's Eyes: An Undervalued DeFi Blue Chip? @Huma Finance 🟣

#HumaFinance ($HUMA ) as an innovative protocol in the PayFi sector, recent on-chain data and ecological progress suggest that it may be undervalued by the market, with the potential to become a DeFi blue chip. Here are the core logic points favored by analysts:

1. Technical Architecture and Ecological Synergy

Huma has built a 'payment-credit-yield' closed loop by integrating real-world assets (RWA) with a blockchain payment network. Its settlement speed on the Solana chain reaches 65,000 TPS, with cross-border payment costs as low as $0.01, having processed over $4.6 billion in transaction volume, covering scenarios such as payroll distribution and trade financing. Collaborations with institutions like Visa and Standard Chartered further strengthen its compliance and liquidity depth.

2. Yield Model and Token Deflation

The HUMA token design incorporates three value capture mechanisms: payment fuel burning (0.003 HUMA per transaction), governance staking yield (annualized 5.8-9.3%), and 50% of protocol revenue for buyback and destruction (140 million tokens have been destroyed by Q2 2025). This deflationary model is rare in DeFi, and the yield from stablecoin deposits exceeds traditional savings by 4 times, attracting continuous inflow of institutional funds.

3. Market Misestimation and Growth Potential

Despite significant short-term price fluctuations of HUMA, its fundamentals support long-term value:

• Trading volume growth: On-chain trading volume increased by 217% quarter-on-quarter in Q2 2025;

• Valuation logic: Completed Series B financing at a $75 million valuation, predicting a market share of 35% in the PayFi sector by 2027;

• Whale movement: On-chain monitoring shows that since June, multiple anonymous addresses have cumulatively increased their holdings of HUMA by over 1.2 million tokens, with net outflows from exchanges surging by 210%, indicating a tendency for long-term holding.

Conclusion: HUMA's technical barriers, compliance layout, and yield innovations give it blue-chip characteristics, and its current market value may not fully reflect its disruptive potential in cross-border payments and the RWA sector. If ecological expansion continues to exceed expectations, HUMA is expected to become a core hub connecting traditional finance and DeFi.