HUMA Tokenomics
The HUMA token is the driving force behind Huma Finance, the first PayFi network that integrates payments and lending on the blockchain. With a maximum supply of 10 billion tokens and 1.73 billion in circulation (as of August 2025), HUMA creates a sustainable economic model that stimulates platform growth.
Tokenomics structure
The distribution of HUMA tokens is as follows:
40% — ecosystem and community (airdrops, rewards, marketing);
20% — team and developers;
15% — early investors;
25% — reserve for future initiatives, including integrations and partnerships.
This structure emphasizes the community's priority, which is confirmed by the airdrop in May 2025, when 1.25 million HUMA were distributed among Bitget users.
The 'Flywheel' mechanism
Huma Finance uses a 'financial flywheel' model, where revenue from transactions (such as swaps or lending) is partially directed towards buying back HUMA tokens. These tokens are either burned or distributed among holders, reducing supply and supporting value. In July 2025, the community approved a token buyback of $2 million, enhancing the deflationary effect.
Market indicators
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. Over the past 7 days, the token has risen by 25.58%, reflecting high interest. The fully diluted valuation (FDV) is $346.53 million, indicating growth potential.
Prospects
Huma Finance plans to expand functionality, including the launch of a mobile app and integration with new blockchains in 2026. Analysts predict the price of HUMA could rise to $0.10–$0.15 by 2026 under favorable market conditions.
Risks
Key risks include volatility (the price has dropped by 49.97% from its all-time high of $0.06927), competition, and regulatory constraints. Investors are advised to conduct thorough research.
The HUMA economy is designed for sustainable growth, making the token attractive to those who believe in the future of PayFi.
