Introduction to Huma Finance
Huma Finance is the world’s first PayFi (Payment Finance) network that combines decentralized finance (DeFi) with global payment solutions, providing instant access to liquidity anytime and anywhere. Launched in May 2025 on the Solana and BNB Chain blockchains, the Huma Finance platform addresses key issues in traditional finance, such as high fees, slow transactions, and limited access to credit. The HUMA token is the foundation of the ecosystem, providing governance, transaction payments, and rewards.
What is PayFi?
PayFi is a new direction in DeFi that focuses on funding global payments. Huma Finance allows payment institutions to settle 24/7 using stablecoins and liquidity on the blockchain. The platform supports use cases such as cross-border payments, credit cards, trade finance, and even DePIN (decentralized physical infrastructures).
The role of the HUMA token
The HUMA token serves several key functions:
Governance: HUMA holders can vote on proposals such as adding new blockchains or updating lending protocols.
Transaction payments: HUMA is used to cover fees in the ecosystem, simplifying interaction with the platform.
Rewards: Users participating in lending or providing liquidity receive HUMA tokens.
Achievements and prospects
Since its launch, Huma Finance has processed transactions totaling over $4 billion on Solana, and the launch of Huma 2.0 in July 2025 attracted the attention of major players. The platform announced partnerships with ArfOne and GeoswiftLimited to launch a solution for instant seller payouts on leading e-commerce platforms. As of August 2025, the price of HUMA is $0.03465, with a market capitalization of $60.06 million and a 24-hour trading volume of $70.66 million.
Risks
Like any crypto project, Huma Finance is associated with risks, including price volatility, competition with other DeFi protocols, and regulatory changes. Investors are recommended to conduct their own research (DYOR).
Huma Finance and the HUMA token are a step towards a new era of finance, where payments and lending become fast, accessible, and decentralized.
