Huma Finance is introduced as the world's first PayFi (Payment Finance) network, aiming to eliminate the slow and costly payment processes of traditional financial systems. This platform enables global instant payments 24/7, through stablecoins and on-chain liquidity, heralding a new era for digital payments.

1. Applications and Service Areas

Huma's PayFi network serves many important financial needs:

  • Cross-border payments

  • Trade finance

  • Credit card transactions

  • New generation financial models in DeFi

2. Outstanding Features

Global Instant Payments

Huma eliminates waiting times in traditional banking systems thanks to a payment infrastructure based on stablecoins. This allows transactions to be processed instantly, anytime, anywhere.

Secured Lending Based on Actual Income

With Huma 2.0, individual users can access loans using salaries or receivables as collateral — a model previously almost exclusively applied to institutions.

Two Product Models

  1. Permissionless: The PayFi platform is open, everyone can participate.

  2. Institutional: Specialized structure for institutional investors, meeting legal compliance requirements.

Connecting Real World Assets (RWA) to DeFi

Huma allows the use of actual revenue streams as collateral, making DeFi more connected to the real economy.

Modular Architecture and Tools for Developers

PayFi Stack provides pre-audited modules such as:

  • Identity verification

  • Risk Assessment

  • Payment Navigation

  • Collateral management

As a result, developers can build applications quickly and securely.

3. HUMA Token

  • Role: Utility & Governance Token

  • Utility:

    • Participate in protocol decision voting

    • Pay transaction fees

    • Receive incentive rewards from the ecosystem

  • Tokenomics:

    • Total supply: 10 billion HUMA

    • Allocation for: airdrop for early users, liquidity provision, marketing…

    • Current circulating supply: ~1.7 billion HUMA

    • Current price: ~0.037 USD

    • Market capitalization: 64–65 million USD

    • 24h trading volume: 30–40 million USD

4. Notable Developments and Activities in 2025

  • April 2025: Launch of Huma 2.0 on Solana, expanding for retail users.

  • Transaction volume exceeds $4 billion shortly after deployment.

  • June 2025: Joining the Global Dollar Network, raising transaction volume to $4.5 billion.

  • Listing & Derivative Trading:

    • Launch of spot & futures trading on OKX

    • Increase liquidity when listed on Bitget and many other exchanges

  • Airdrop & DAO Collaboration:

    • First airdrop organization

    • Strategic partnership with Jupiter DAO

5. Overview Assessment

Huma Finance is standing out in the industry due to its ability to integrate DeFi with the real economy, especially through:

  • Instant payments

  • Income-based lending

  • Modular structure supporting developers

However, investors should be aware of the risks:

  • Token price volatility

  • Legal barriers in some areas

Conclusion

With a vision and groundbreaking technology, Huma Finance is not just a DeFi protocol, but a promising PayFi ecosystem that can become a crucial bridge between traditional finance and decentralized finance.