@Huma Finance 🟣 is a blockchain platform focused on payment finance (PayFi), providing instant liquidity and efficient on-chain financing solutions for global payments with its infrastructure.
Since its establishment in 2022, Huma Finance has processed over $2.3 billion in credit, covering areas such as SMEs, cross-border payments, and the tokenization of real-world assets (RWA).
Its innovative income-supported lending and decentralized risk management model makes it stand out in the Web3 space.
The following are its collaboration cases with five projects, showcasing its significant contributions to the PayFi ecosystem.
1. Jia: Empowering SME financing
Huma Finance collaborates with Jia to provide blockchain-based microfinancing for SMEs in emerging markets such as Kenya and the Philippines. Leveraging Huma's infrastructure, Jia offers income-supported loans through USDC, reducing service costs and enhancing transparency. This collaboration enables Jia to complete on-chain financing deployment within weeks, providing growth capital to small businesses in industries such as healthcare, consumer goods, and transportation, while rewarding borrowers who repay on time with Jia tokens. As of April 2025, Jia's credit scale on the Huma platform continues to grow, showcasing the synergy between both parties in financial inclusion.
2. Arf: Core pillar of cross-border payments
Huma Finance's collaboration with Arf is at the core of its PayFi network, with Arf accounting for 98% of the total credit on the Huma platform. As a cross-border payment platform, Arf utilizes Huma's infrastructure to provide instant liquidity and T+0 settlement solutions, addressing the inefficiencies of traditional cross-border transactions which often take T+3 or T+4. From $65.7 million in May 2024 to $197.3 million in April 2025, Arf's monthly credit growth reached 200%. Huma's technical support enables Arf to efficiently handle global payments, significantly enhancing capital efficiency.
3. Solana Foundation: Expanding the ecosystem and promoting the PayFi concept
Huma Finance collaborates with the Solana Foundation to jointly host the first PayFi Summit in September 2024 and the second summit at the Hong Kong Consensus Conference in 2025. In November 2024, Huma expanded to the Solana blockchain, enhancing on-chain activity and user adoption with its high throughput characteristics. This collaboration not only improves Huma's technical performance but also promotes the global dissemination of the PayFi concept through joint events, injecting new vitality into RWA and payment applications within the Solana ecosystem.
4. Stellar Development Foundation: Enhancing global payment efficiency
Huma Finance collaborates with the Stellar Development Foundation to leverage the Stellar network's efficient cross-border payment capabilities to expand its PayFi network. The low cost and high speed characteristics of Stellar complement Huma's instant liquidity solutions, making it particularly suitable for serving businesses and users in financially underserved areas. Both parties deepen their collaboration through events such as the 2024 PayFi Summit, jointly promoting the decentralization of payment finance and addressing the inefficiencies of the traditional financial system. Stellar's support further solidifies Huma's leadership position in the global payment sector.
5. ChargeSmith: Supporting green finance and RWA development
Huma Finance's green finance pool collaborates with ChargeSmith to support the expansion of electric vehicle charging networks in Taiwan. ChargeSmith utilizes Huma's platform to provide funding for infrastructure construction through collateralized loans. This collaboration showcases Huma's application in the tokenization of real-world assets (RWA), supporting sustainable projects through on-chain financing. Huma's decentralized risk assessment and transparent data processing ensure loan security, opening new pathways for green finance and infrastructure development.
Summary: Huma Finance's PayFi vision
Through collaboration with Jia, Arf, the Solana Foundation, the Stellar Development Foundation, and ChargeSmith, @humafinance demonstrates its innovative capabilities in the field of payment finance.
Its platform addresses the pain points of traditional finance with instant liquidity and decentralized risk management, promoting financing for SMEs, cross-border payments, and the development of RWA.
With the launch of the $HUMA token and the establishment of the Huma Foundation, Huma Finance is building a more open and efficient PayFi ecosystem, leading the future of Web3 finance.
