What is Huma Finance? @Huma Finance 🟣
Huma Finance is the first global PayFi network, paving the way for payment financing through blockchain technology and stablecoins, aimed at settling instant payments around the clock, 7 days a week.
It relies on instant (T+0) settlement for cross-border payments using liquidity linked to stablecoins like USDC.
It enables financial institutions and merchants to settle payments without relying on slow traditional payment channels.
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Founders and Supporters #humafinance
Founded in 2022 by: Arbil Karaman and Richard Liu, along with a founding team that includes Ji Bing and Li Dou.
It received initial funding totaling approximately $46 million from entities such as Circle Ventures, Distributed Global, Galaxy Digital, and Stellar Development Foundation.
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Vital Performance and Activity Volume
By mid-2025, transaction volume exceeded $3.8 to $4.3 billion, and real returns were distributed to liquidity providers at annual rates ranging from 10% to 20% in some systems.
The total active liquidity assets were around $100 million, with the number of depositors around 49,000, showing rapid growth in ADTV and TVL on the Solana network.
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Token Utility Model
The $HUMA token is used for:
Governance (voting on protocol decisions and incentive rates)
Liquidity rewards for contributing to network support
Supply reduction mechanisms (partial buyback burning of loan fees).
