What traditional banks can manage, Huma can also manage; what traditional banks cannot manage, Huma can also manage!
First, let's talk about Huma's PayFi network, it's really impressive! Traditional banks' cross-border transfers are slow and expensive, while Huma leverages blockchain and stablecoins to achieve near-instant cross-border payments at a very low cost. When overseas workers send remittances home, it used to take several days with high fees, but now with Huma, it arrives in just a few minutes, and the recipient can even get an advance on the funds with a discount fee of only 0.3%, directly reducing the costs by 95%. The comparison is too obvious!
Next, let's talk about financing services, $HUMA is simply a lifesaver for businesses. Companies no longer need to worry about the cumbersome processes of mortgaging properties; they can obtain funds using future income or accounts receivable. For example, in cross-border e-commerce, sales used to take 30 days to collect payment after completion, but now with Huma's advance payment, businesses can restock immediately. Huma earns a small fee while also fragmenting accounts receivable, allowing retail investors to participate, thus revitalizing the entire capital chain.
Moreover, in April 2025, Huma Finance 2.0 will officially launch on Solana, which is a significant move. It brings composable real yields to DeFi users, opening up double-digit stable returns that were previously only accessible to institutions to ordinary users. Now users can choose between classic and fast modes, where the classic mode offers stable USDC yields, and the fast mode is suitable for those who want to accumulate more rewards, with the flexibility to switch at any time.
The composability of DeFi is also a major highlight of Huma 2.0. Through the Payment Financial Strategy Token (PST), it can integrate with other protocols in the Solana ecosystem. At the initial launch, users can exchange PST for USDC through Jupiter, and there will be more gameplay options in the future, offering a vast imagination space.
In just two years, Huma Finance's payment financial network has processed over $3.8 billion in transactions, generating $8 million in annual revenue, which is an astonishing growth rate. Moreover, its earnings do not rely on token incentives or market speculation; they come directly from the fees of corporate payment financing and settlement, with fast capital turnover and stable, sustainable returns. This model has already gained recognition from top investors.
