Many people see HUMA as just a token in the PayFi track, but they overlook that its combination with Solana is the highlight. One is a bridge for financing and payments in the real world, while the other is one of the fastest and cheapest public chains globally; this combination offers many possibilities.
What has Solana brought to HUMA?
Solana's advantages lie in high throughput + low fees—capable of processing 6,500 transactions per second on average, with fees so low they are almost negligible. For protocols like HUMA that require frequent handling of cross-border payments and accounts receivable financing, this means:
Borrowers' loans and repayments are almost without delay, leading to higher capital efficiency.
Small, multiple financing or payment scenarios can also keep costs manageable.
User experience approaches the ‘instant arrival’ of traditional payment applications, making it easier to attract non-crypto users.
This is also why HUMA's applications on Solana are closer to actual business scenarios.
How to enhance the deflationary mechanism?
HUMA's protocol income model is very simple: 50% of the fees paid by borrowers will be directly used to repurchase and burn HUMA tokens.
In Solana's high-frequency trading environment, the protocol processes more orders and burns tokens faster, leading to a long-term reduction in circulating supply.
In other words, the speed and low cost brought by Solana to HUMA also come with a potential ‘accelerated deflation’ effect.
Investment logic of ecological complementarity
Solana provides the stage: Its technological performance and ecological activity ensure the rapid application of HUMA. HUMA increases income scenarios: cross-border settlement, supply chain financing, merchant payments—these were not originally Solana's strengths, but through HUMA's integration, they can bring more real transaction flows on-chain. The combination of the two forms a closed loop of high-speed infrastructure + real economy demand.
How do investors play this combination?
1. Hold SOL: Participate in network staking and enjoy the growth dividends of the chain.
2. Allocate HUMA: Seek deflationary dividends and protocol growth.
3. Dual-chain arbitrage: Participate in the HUMA liquidity pool on Solana, earn HUMA rewards with stablecoins, and stack staking returns from SOL.
In summary
The value of HUMA lies not only in its ability to help businesses access cash flow in advance but also in deploying this capability on a high-speed chain like Solana. The combination of speed + cash flow may become the standard template for the next wave of on-chain financial applications.
