In July 2024, it just opened the door to PayFi (payment-based finance), and in less than a year, it delivered a trading scorecard of $3.8 billion—when @Huma Finance 🟣 presented this report, the entire industry suddenly realized: this is not a "rookie trial" in the financial sector, but an endeavor to tackle the trillion-level hard bones that traditional finance cannot bite through.
In the global $10 trillion trade financing market, how many small and medium-sized enterprises are blocked from funding due to lack of collateral? In the $16 trillion cross-border payment sector, how much capital is stuck in lengthy intermediary processes? Huma is focusing on these gaps that traditional models find difficult to cover.
Traditional lending always revolves around "collateral": businesses must pledge factory equipment, individuals must pledge real estate deposits. This barrier blocks many entities with stable income but lacking collateral—such as small and medium enterprises that just received large orders but lack turnover funds, or salaried workers with stable incomes but without homes or cars.
The breakthrough point of @Huma Finance 🟣 lies in breaking free from the inertia of "must have collateral." It does not consider what assets you currently have, only recognizing "the money that can definitely arrive in the future": invoices maturing in 30 days for $1 million, monthly fixed payrolls, confirmed cross-border remittances—so long as these cash flows are verifiable, they can be used for financing.
The backbone relies on the self-developed "cash flow assessment model." It combines the transparency of blockchain and data analysis capabilities to quickly verify the reliability of these "future funds": connecting with enterprise systems to confirm invoice fulfillment capabilities, validating income stability through payroll platforms, and calculating risks based on historical records. Ultimately, 70%-90% of the limits can be approved on the spot, with the entire process automatically handled by smart contracts for loan disbursement and repayment—providing users with "credit-based quick loans" while freeing the platform from inefficient manual reviews and controlling risks through data.
For example: A Southeast Asian clothing factory receives a $1 million order from a European brand and is set to deliver and collect payment in 30 days but now lacks $500,000 to purchase fabrics. In the past, the lack of collateral might have led to a bank loan rejection; however, within the Huma system, after uploading the order contract as proof on the blockchain, the system quickly verifies the brand's credibility and order authenticity, disbursing $400,000 to $450,000 on the spot, with funds directly transferred to the fabric supplier. Repayment is automatically handled after the order payment is received in 30 days. The entire process takes no more than 24 hours, with fees only 1/5 of traditional trade financing.
Why choose Solana? How can this architecture support global business?
To build a business that does "millions of transactions and serves globally," the technical foundation must be solid. Huma has bet on Solana from the beginning, focusing on two core points: speed and cost-effectiveness.
The PayFi scenario naturally requires "small-value, high-frequency" transactions—such as hundreds or thousands of invoice financing and salary advances every day, with amounts ranging from thousands to hundreds of thousands. Solana's processing capability of hundreds of thousands of transactions per second (TPS) prevents congestion, and with fees of less than $0.01 per transaction, "small-value financing" becomes meaningful. Just imagine, if borrowing $5,000 costs $50 in fees, who would still use it?
More crucial is its "six-layer architecture," which tightly integrates transactions, currency, compliance, and other elements like precise gears:
- Asset Layer: Connects invoices, payrolls, and other cash flow proofs, with on-chain evidence to prevent tampering;
- Agreement Layer: Smart contracts manage core lending logic, automatically handling disbursement, interest calculation, and repayments;
- Currency Layer: Supports multi-currency settlement, with real-time conversion of USD, EUR, and Southeast Asian local currencies through stablecoins;
- Custody Layer: Connects with global compliance institutions to ensure that fund flows comply with anti-money laundering regulations;
- Interface Layer: Open API for enterprise systems and payment tools, facilitating access for traditional institutions;
- Governance Layer: Key decisions such as fee rate adjustments and new scenario additions are determined by community voting.
This architecture can easily handle complex scenarios: domestic enterprise invoice financing relies on "asset layer + agreement layer" for rapid closure, while multinational payments utilize "currency layer + custody layer" for real-time compliance transactions. This is how a global financial network should operate—flexibly adapting to local needs while maintaining compliance.
Not just a token, but also the "stabilizer" of the ecosystem.
In the Huma system, $HUMA is not just a speculative target, but the core that connects users, platforms, and ecosystems.
Users who stake $HUMA can become "liquidity supporters"—the tokens injected into the liquidity pool support lending operations, and users proportionately share the fee revenue; they can also participate in governance, such as voting to add copyright fees, rents, and other cash flows as financing proofs, or adjusting scenario fees. This "participation equals benefit" model transforms users from "consumers" into "co-creators."
The performance of Binance Launchpool in early 2025 is proof: over 50,000 independent wallets participated in staking, with locked assets exceeding $200 million. The market believes that as PayFi scenarios unfold, the demand for $HUMA will grow with the ecosystem: the more users there are, the higher the fee revenue, the stronger the staking appeal, and naturally, the more stable the token value.
Not just lending, but letting money flow as freely as information.
Today's #HumaFinane is no longer just a lending platform. It is more like a "converter between real finance and the on-chain world"—transforming fragmented, inefficient cash flows (an unpaid invoice, a pending salary) into digital assets that can be split, circulated, and instantly financed, weaving a highly efficient global funding network.
Its ambition is to make the flow of funds as free as information: African farmers can receive seed funds based on pre-purchase orders, European freelancers can advance next week's fee, and Southeast Asian cross-border e-commerce can settle each order in real-time. When funds are no longer hindered by collateral thresholds, slowed by cross-border processes, or diluted by high fees, the entire logic of the financial industry could be rewritten—after all, the essence of finance is not "collateralized lending" but rather "directing money to where it is needed."
From 3.8 billion to 10 trillion, perhaps it's not so far away. Huma is proving that when technology can understand "the value of the future" and finance can bypass inefficient intermediaries, the so-called "trillion-dollar market" is merely the reactivated potential.