Huma Finance introduces a groundbreaking PayFi model offering loans backed by real income streams like invoices, wages, and remittances instead of volatile crypto collateral.
Massive Real Usage: Over $4.5 billion in transaction volume and $2.3 billion in credit issued, all with a zero‑default record to date.
Attractive Yield for LPs: Liquidity providers earn 10–10.5% APY in stablecoins, derived from real fee revenue solving the old speculation-driven DeFi yield model.
Deflation Built In: Half of borrower fees are used to buy back and burn HUMA tokens, shrinking supply as protocol usage grows.
Inclusive Access: Available permissionlessly via Huma 2.0, enabling anyone globally to participate no KYC required; Solana and stablecoins like USDC/USDT power the rails.
💡 Why Huma Stands Out
Delivers real business credit on-chain, not just speculative lending bubbles. It powers fintech ready solutions like invoice financing, remittance advances, and trade liquidity.
Offers a risk aligned governance and utility model via the HUMA token used for staking, governance voting, and protocol growth incentives.
📊 Key Metrics & Outlook
Metric Value
Transaction Volume > $4.5 B
Credit Issued > $2.3 B
Default Rate 0%
LP APY 10–10.5%
HUMA Token Supply 10 B capped
Circulating Supply 1.73 B (17.3%)
Huma has raised $46 M+ in funding, including a $38M Series A led by Distributed Global. It targets $10 billion in transaction volume by year end 2025, aiming for same day settlement efficiency (T+0) and cross chain integration as it expands globally.
#HumaFinance Bottom Line $HUMA
Huma Finance reshapes DeFi by enabling credit based on real world payments, not speculative collateral. Its fee backed buy and burn mechanism creates sustainable deflation, while stablecoin returns and accessible borrowing open DeFi to real users globally.
