1. A revolutionary PayFi architecture connecting traditional finance with fast transactions
Huma Finance is the first PayFi protocol accelerating global payments using stablecoins (like USDC and USDT), providing instant on-chain liquidity, replacing systems like SWIFT and significantly reducing costs.
2. A decentralized and inflationary economic model enhanced by value
Field capital is supported by a "Buy-Back & Burn" system: half of the loan fees are used to buy HUMA tokens and burn them, reducing the supply over time and helping to support the price. The total supply is also capped at 10 billion, with an initial distribution of about 1.73 billion.
3. Stable and customizable returns via Huma 2.0
The Huma 2.0 platform allows anyone to enter the system without the need for permits or KYC, providing users with two options for profit:
Classic Mode: Fixed returns (like 10.5% APY in USDC) plus HUMA rewards.
Maxi Mode: HUMA returns are doubled for those who prefer rewards over cash returns.
4. Strong institutional support and strategic partnerships
Receives $HUMA
Finance with funding exceeding $46 million from prominent investors such as ParaFi Capital and Fenbushi Capital. It is also supported by leading institutions like Solana, Circle, Stellar Development Foundation, and Galaxy Digital.
5. Effective expansion in global usage and integration of real assets
Platforms $HUMA support the conversion of invoices or salaries or expected income into instant liquidity ready for the DeFi market, opening the door for businesses and individuals who do not have traditional collateral. Huma also has a multi-chain architecture — including Solana, Stellar, Ethereum L2s (like Polygon, Celo, and Scroll) — to enhance the scope of its operations.