What is #HumaFinance ? @Huma Finance ๐ฃ $HUMA
Huma Finance (#HUMA ) is the first protocol, called "PayFi" (Payment Finance), that integrates traditional financial systems with the crypto world.
It offers a much faster solution than traditional SWIFT-like systems by enabling institutions to receive instant and seamless payment/financing services with stablecoins.
Its operating principle is as follows: Companies can instantly use stablecoins like USDC or USDT by collateralizing real-world receivables such as invoices, while liquidity providers (LPs) earn both stablecoin returns and HUMA token rewards.
A notable feature of the protocol is its "deflationary tokenomics" model: 50% of the fees generated when making debt payments are bought back and burned in HUMA tokens, thus supporting the token's value in the long term while the supply decreases over time.
Huma Finance offers two products: Huma 2.0 (launching in April 2025), which offers permissionless access for retail users, and Huma Institutional, which is regulated for institutional investors.
Developers can create various PayFi applications (promissory notes, short-term loans, trade finance, etc.), which can operate within the Huma ecosystem.
The protocol boasts strong partner and investor support, including Solana, Circle, the Stellar Development Foundation, and Galaxy Digital, and is temporarily leading the way in real-world adoption with over $3.8 billion in transaction volume.
HUMA Token Analysis
Basic Information:
Maximum Supply: 10 billion HUMA
Circulating Supply: ~1.73 billion HUMA
Current Price Data (as of August 13, 2025):
CoinMarketCap price: ~$0.0374, 24-hour volume: ~$60 million, market capitalization: ~$64.8 million
Coinbase: $0.0377, 13.66% increase in the last 24 hours and 15.56% premium in the last 7 days
Coingecko: $0.03805, 13.94% increase
Binance HUMA/USDT pair: $0.03672, 8.74%
TradingView and Solflare data: volatile charts in the last 24 hours: down The price is up 8.46% and the increase to higher levels is +15.42%.
Evaluation:
The price is generally trading in the range of $0.036โ$0.038, with some platforms exceeding these levels.
Recently, there has been significant volatility and buying demand, increasing the project's appeal.
The 278% 90-day increase indicates particularly high retail investor interest; however, the decline in short-term performance over the 60-day period should be monitored with caution.
There is a recent upward trend, with "deflationary tokenomics" and real-world-integrated use cases providing a strong foundation for Huma.
Summary Table
Category Information / Value
What is it? PayFi protocol โ fast, stablecoin-based payments
Token Model Deflationary: 50% fee clawback and burn
Products Huma Institutional & Huma 2.0 (permissionless)
Partners & Volume Solana, Circle, Galaxy Digital; $3.8B trading volume
Price Range ~$0.036โ$0.038
Short-Term Performance: 24h and 7g up, volatile
Long-Term Performance: 60g down, 90g big up
Market Capitalization ~$65 million
Conclusion
Huma Finance stands out as an innovative project that combines DeFi and real-world finance with the PayFi concept. Its tokenomics, strong partnerships, and trading volume indicate potential for future value creation. The price has gained momentum in the short term; in the medium and long term, performance will be shaped by trading volume and usage expansion.