Huma Finance: In-Depth Look at the PayFi Network
Huma Finance is a blockchain-based “Payment Financing” (PayFi) protocol designed to deliver rapid, on-chain liquidity for global payment operations. Its goal is to remove traditional financial inefficiencies—such as slow cross-border transfers and expensive pre-funding requirements—by tokenizing receivables and settling transactions with stablecoins.
As the first purpose-built PayFi network, Huma enables instant settlement financing and structured credit lines for use cases including international payments, corporate card programs, and trade finance. The platform operates on high-speed blockchain infrastructure, relies heavily on USDC for settlement, and uses audited smart contracts so lenders earn sustainable double-digit yields from transaction fees rather than speculative rewards. In essence, Huma’s mission is to “accelerate the movement of money” by linking borrowers and lenders on-chain, opening up income-based DeFi credit solutions for businesses and individuals worldwide.
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Founding Team & Leadership
Huma was co-founded by Richard Liu and Erbil Karaman, who serve as co-CEOs, alongside Chief Business Officer Patrick Campos (joined Feb. 2025).
Richard Liu – Former Google Engineering Director (Google Fi), ex-CTO of EarnIn, founder of Leap.ai (acquired by Facebook), and Venture Partner at Foothill Ventures.
Erbil Karaman – Product and growth leader at Lyft, EarnIn, and Meta; founder of a Turkish micro-VC fund (istanbul.500.co).
Patrick Campos – Former Chief Strategy Officer at Securrency and strategic advisor to Huma and Ar