Huma Finance: The First PayFi for Global Payments!

@humafinance is a PayFi (Payment Finance) pioneer, building infrastructure for instant global payment financing using blockchain tech and stablecoins.

Their mission?

To provide 24/7 access to liquidity, removing the barriers of traditional finance.

What do they do?

#HumaFinance has created a decentralized platform that uses on-chain liquidity and stablecoins (like USDC) for real-time settlement of payments.

They support a wide range of PayFi use cases — from cross-border transfers and credit card processing to trade finance and DePIN (decentralized physical infrastructure).

Their two core products:

Huma (Permissionless): Launched in April 2025, lets anyone join the liquidity pool without KYC, opening up access to PayFi earnings.

Institutional Solutions: Serve large payment providers handling $3.8B+ in transaction volume.

What problems are they solving?

Slow payments: Traditional systems (like bank wires) take days. Huma settles payments instantly using stablecoins.

High fees: Cuts out costly intermediaries, reducing expenses for businesses and users.

Lack of transparency: On-chain transactions are verifiable and secure, helping reduce fraud.

Limited access to liquidity: Small businesses and individuals can access capital for real-time settlement.

Example:

A small business can use Huma to instantly process credit card payments — avoiding 3–5 day delays and high fees.

Liquidity providers earn double-digit yields by supporting these operations.

To date, the platform has processed $2.3B+ in loans and partnered with Solana, Circle, and Galaxy Digital.

Quick facts:

Founded in 2022

Raised $46.3M across 5 funding rounds (from ParaFi Capital, HashKey, Fenbushi, and others)

$HUMA