PayFi as a new trend
PayFi is the next wave in decentralized finance, and Huma Finance is at the forefront of this movement. The HUMA token attracts investor attention due to the rapid growth of the platform and its unique model. But is it worth investing in HUMA in August 2025?
Fundamental advantages
Huma Finance offers:
Instant payments: Cross-border settlements in real-time using stablecoins.
Income-based lending: A unique model that allows borrowing against future income.
Strong ecosystem: Partnerships with ArfOne, GeoswiftLimited, and integration with Binance, Bitget, and MEXC.
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. The token has increased by 25.58% over the week, and its historical high ($0.06927) was reached on May 27, 2025. The fully diluted valuation ($346.53 million) indicates growth potential.
Forecasts
MEXC analysts predict HUMA's rise to $0.03487 by the end of August 2025, and under favorable conditions, to $0.10–$0.15 by 2026. The long-term forecast for 2030 is less optimistic (CoinCodex predicts a zero price), but the current momentum and expansion plans support bullish sentiment.
Risks
Key risks include:
Volatility: The price has fallen by 49.97% from its peak.
Competition: Other DeFi platforms, such as Aave or Compound, may pose competition.
Regulation: Changes in legislation may restrict PayFi projects.
Conclusion
Huma Finance and the HUMA token represent a promising investment for those who believe in the future of PayFi. A strong ecosystem, partnerships, and increasing transaction volume make HUMA an attractive asset. However, investors should consider the risks and diversify their portfolio.