Huma Finance is pioneering the PayFi (Payment Finance) sector by enabling individuals and institutions to access credit using real-world income streams as collateral. This innovative approach allows for undercollateralized lending, making financial services more accessible and efficient. (Crypto Economy)
š Key Features:
Real-World Asset Tokenization: Huma Finance tokenizes income streams, such as salaries or receivables, allowing them to be used as collateral for loans. This integration of real-world assets into DeFi platforms enhances liquidity and accessibility.
Permissionless Access: The platform offers permissionless access to its services, enabling a broader range of users to participate in the DeFi ecosystem without the need for traditional intermediaries.
Dual Lending Models: Huma Finance provides two lending models: Huma Institutional, a permissioned service for accredited investors, and Huma 2.0, a permissionless platform catering to retail investors.
š Tokenomics:
Total Supply: 10 billion HUMA tokens
Initial Circulating Supply: Approximately 1.73 billion HUMA (17.3%)
Airdrop Allocation: 5% of total supply
Team & Advisors: 19.3% (subject to 12-month lock-up, followed by linear vesting over three years)
Investors: 20.6% (subject to 12-month lock-up, followed by linear vesting over three years)
Protocol Treasury: 11.1%
CEXs & Marketing: 7.0%
MM & Onchain Liquidity: 4.0%
Pre-Sale: 2.0%
LP & Ecosystem: 31.0%
š Recent Developments:
Huma Finance has recently launched Huma 2.0 on the Solana blockchain, offering composable real yield to DeFi users. This platform provides stable, real-world yield from global payment financing related to everyday commerce and trade activities. Users can participate in two primary modes: Classic Mode, offering stable, double-digit USDC yield combined with rewards called Huma Feathers, and Maxi Mode, tailored for users aiming to maximize their accumulation of Huma Feathers. The Maxi Mode offers rewards at five times the base rate, without receiving USDC yield.
š Market Snapshot:
As of the latest data, HUMA is trading at $0.03627, with a market cap of approximately $63.47 million and a fully diluted valuation (FDV) of $366.20 million. The circulating supply stands at 1.73 billion tokens, with a total supply cap of 10 billion.
š Get Involved:
To learn more about Huma Finance and participate in the ecosystem, visit huma.finance. Stay updated with the latest news and developments by following Huma Finance on Twitter and Discord.(huma.finance)
@Huma Finance š£ #HumaFinance