Paying salary? The ATM is here, brothers!
For example, if you are a freelancer and just received an invoice that will only be settled in a month, the awkward part is that the bank requires you to wait until it's credited before you can use it. Huma is like adding a quick exchange module to your invoice — just take a picture of the on-chain proof, and you can immediately get USDC, turning 'future assets' into ready cash. This is its practical PayFi.
Its core gameplay is to turn legal documents (like invoices and labor contracts) into collateral that can be verified on-chain, and then through protocols, convert these rights into stablecoins for those who need cash. You get real money, and when you’re done using it, you can pay it back. It feels like a 'digital micro-financing station'.
Latest data shows that lending on Huma exceeds $2 billion, with annualized loan yields stable at 7–10%. This is not just hype; actual users are making money with digital assets.
The token HUMA is not a bubble driven by speculation; it is the fuel for the protocol ecosystem operations:
Staking incentives: Users who stake HUMA into the protocol can earn certain returns;
Voting rights: Changes to protocol parameters and distribution rules require HUMA to vote;
Transaction fee discounts: Using it to pay transaction fees can save you some money.
In summary: Huma is like installing an on-chain ATM for 'the money you haven’t received today but surely will', compliant and efficient, allowing idle money to work and earn for you.