PayFi protocol: With the "PayFi" = Payment + Finance component, $HUMA 's processed payments (such as cross-border payments, trade finance, credit card payments, DePIN) can be converted into instant stablecoin transactions.

Working model: Businesses tokenize their invoiced receivables and deposit them into the protocol; they immediately receive the currency in USDC/USDT. Providers (liquidity providers) deposit funds into these pools and earn stablecoin interest and HUMA token rewards. When a user payment arrives, 50% of the cost is used to repurchase and burn #HUMA tokens (deflationary mechanism).

Token economy: Total supply is fixed at 10 billion HUMA tokens; initially, approximately 1.73 billion are in circulation (~17%).

Products:

Huma Institutional: KYC/KYB-compliant institutional payment solutions.

Huma2.0 (permissionless): Provides access to public pools, stakers, and LPs, with a majority participation rate.

To date, $3.8–$4.5 billion in transaction volume has been processed, and $2.3 billion in loans have been allocated. The project has also received investments from major backers such as Binance, Circle, the Solana Foundation, and Galaxy Digital.