🚀 Richard Liu & Huma Finance: Redefining Payment Financing
Richard Liu — co-founder and co-CEO of Huma Finance — brings a powerhouse background in engineering and fintech innovation. He spent seven years at Google, where he played a key role in building Google Fi. His entrepreneurial track record includes founding Leap.ai, an AI-powered recruitment platform acquired by Facebook in 2019, and serving as CTO at EarnIn, a leading fintech company.
It was at EarnIn that Liu teamed up with Erbil Karaman and Ji, eventually launching Huma Finance two years ago. Since then, the company has emerged as a leader in Payment Financing (PayFi) within the Real-World Asset (RWA) sector.
Recently, Huma Finance secured its largest client, Arf, and has already processed over $1.8 billion in on-chain transactions for global financial institutions — with stablecoins playing a central role.
In a recent interview, Liu outlined Huma Finance’s mission:
> “We’re building an open payment financing network on the blockchain — one that can outpace traditional systems like Visa in efficiency and accessibility.”
💰 The company recently raised $38M in a funding round, split between $10M equity and $28M liquidity financing. The round was led by Distributed Global, with backing from major names including Solana, Hashkey Capital, and the Stellar Development Foundation.
With this funding, Huma Finance plans to expand into more blockchain ecosystems — including Solana and Stellar’s Soroban smart-contract network.
Through its PayFi platform, Huma Finance is on a mission to transform global payment financing — bringing greater liquidity, transparency, and efficiency to the world’s financial transactions via blockchain technology.
