$HUMA Finance is a breakthrough PayFi network 🛜 a fusion of payment and financing infrastructure built for Web3.
Unlike traditional lending backed by crypto assets, it enables users to borrow against future income streams
👉 such as salaries, invoices, or remittances—offering collateral-free credit by leveraging the Time-Value-of-Money (TVM) model. Borrowers can access 70–90% of expected revenue instantly and securely via smart contracts, increasing liquidity without the need for traditional collateral.
It addresses legacy financial delays: enabling 24/7 global settlements using stablecoins and on-chain liquidity, solving typical 2–5 day settlement lags and reducing cross-border fees tying up cash flow.
Project Highlights & Ecosystem Growth
Transaction Scale & Financial Performance
Processed volume: Over $4.5 billion in PayFi transactions with zero credit defaults, generating approximately $9 million in annualized revenue—solidifying its leadership in the PayFi space.
Adoption growth: After launching Huma 2.0 on Solana in April 2025 (with partners like Jupiter, Kamino, Meteora, and RateX), the depositor base grew nearly 9× in just one month.
Product Suite $HUMA
#HumaFinance Institutional: A permissioned platform offering structured, real-world receivables-backed financing for institutional players.
Huma 2.0: A permissionless, compliant DeFi platform granting access to institutional-level yields and composable PayFi assets, including PST (PayFi Strategy Token) for liquidity across Solana DeFi ecosystems.