Huma Finance has launched Huma 2.0, a permissionless, compliant, and composable yield platform built on Solana. This platform offers stable, double-digit yields generated by real payment financing activities, making opportunities previously reserved for institutions now accessible to everyone.
Key Features of Huma 2.0:
🔄 Flexible Earning Modes
Classic Mode: Earn a stable, double-digit real yield (currently 10.5% USDC APY, updated monthly) combined with baseline Huma Feathers.
Maxi Mode: Skip the USDC yield (0% APY) to maximize Huma Feathers, earning up to 25x the feathers during the limited-time launch promotion.
Flexibility: LPs can switch the mode of their existing positions anytime, at no extra charge beyond gas fees.
Optional Lock-ups for More Rewards: Locking your deposit for 3 or 6 months significantly increases your Feather reward multipliers.
Liquid & Composable LP Token: $PST
Depositing in Classic mode provides you with the liquid LP token $PST (PayFi Strategy Token). This token represents your share, is yield-bearing, and is built for DeFi composability, plugging right into the Solana ecosystem. Integration partners include:
Jupiter: Swap $PST for USDC anytime, instantly.
Kamino: Borrow USDC against your $PST. Loop, farm, and maximize yield (coming soon).
RateX: Split PST to enter leveraged YT/PT strategies (coming soon).
Referral System
Earn 10% of the Feathers collected by friends you invite for one entire year.
Why Huma 2.0 Matters?
Finding stable, sustainable double-digit yield has been challenging, often reserved for top institutions. DeFi yield has typically been driven by speculation, token emissions, and market cycles, proving unsustainable, especially in bear markets. Huma 2.0 offers a new type of yield grounded in real-life financial activity.
Each time a business taps into the PayFi network to settle a payment, it pays a daily fee (typically 6 to 10 basis points) to access liquidity until it is repaid. Because the liquidity is repaid frequently often within one to five days the same capital can be recycled many times per year, creating a compounding effect that drives strong, recurring yields for liquidity providers. This yield is stable through bull or bear markets, as it doesn't depend on market cycles.
Token Snapshot
As of the latest data, $HUMA is trading at $0.0346, with a 24-hour change of -0.0476%. The intraday high is $0.0377, and the intraday low is $0.0341.
