Tired of waiting days—or even weeks—for your hard-earned money to clear? Say goodbye to late payments, dusty banks, and collateral-heavy crypto loans. Huma Finance is unlocking the power of PayFi—your paycheck, invoices, or remittances become immediate liquidity, powered by smart contracts on-chain. It’s finance that actually works with your schedule.
What Makes Huma Finance So Slayer
Real-time Liquidity
Tap into 24/7 liquidity using stablecoins (USDC/USDT) on high-speed blockchains, without having to pre-fund accounts. So your cash flow never has to sit idle.
Borrow Against Future Earnings
No house deed or massive BTC stash needed. Huma uses tools like time-value-of-money forecasting and real-world income (paychecks, invoice payments, remittances) as collateral. Some users can borrow up to 70–90% of their future cash flow.
Transparent, On-Chain Operations
Everything runs through smart contracts—no middlemen. Businesses get access to liquidity instantly, while pools of liquidity providers (LPs) supply stablecoins for returns.
Built for Everyone
Retail? Institutional? Huma has you covered:
Huma 2.0 (Permissionless): Launched April 2025, open to all—no KYC needed.
Huma Institutional: Tailored for accredited investors and enterprises, with KYC/KYB, tranches, and specialized pools.
Solid Backing & Real Traction
Raised over $46 million (seed + Series A led by Distributed Global, plus support from Stellar Foundation, Circle, and more). Merged with Arf in 2024 to expand global RWA payment services.
Over $4–4.5 billion in transaction volume, including $2.3 billion in originated credit.
The $HUMA Token: Fuel for the PayFi Ecosystem
Huma’s native $HUMA token isn’t just a nameplate—it’s a core driver of the ecosystem.
Governance Power
Stake your tokens and vote on protocol parameters, liquidity incentives, and more. Longer stakes = stronger voting weight.
Ecosystem Rewards
LPs, contributors, partners—everyone can earn HUMA. It’s used to incentivize liquidity, engagement, and broader ecosystem growth.
Deflationary Dynamics
50% of borrower fees are used to buy back and burn HUMA tokens—creating scarcity and potential long-term value support.
Tokenomics Snapshot
Total supply: 10 billion HUMA (fixed cap)
Use cases range from governance and real-time features to ecosystem incentives and staking rewards.
Why It Hits Different
Feature Why It Stands Out
Uncollateralized Lending Borrow with your future income—no estate or crypto needed.
Global Financial Inclusion Instantly settles payments across borders—especially vital for emerging markets.
Real-World Yields LPs earn double-digit returns (e.g., ~10.5%), with compounding via rapid capital recycling.
RWA-Based Credit Anchored in real-world payments, not speculative crypto—adds stability.
Transparent & Community-Driven Decisions are decentralized, backed by on-chain staking and governance.
Bottom Line: Your Future Money, Unleashed
Huma Finance is redefining how we access liquidity—not based on collateral, but on what’s coming next. If you’ve got incoming paychecks, invoices, or remittances, you can use them today. Huma merges real-world cash flow with blockchain speed, transparency, and fairness.
This isn’t just DeFi—it’s PayFi, built for the moment, built for you.
