The Closed Loop of Mutual Profit: A Breakdown of Huma Finance's Profit Logic

Huma Finance's profit model hides a "dual engine." On one hand, there is cross-border payment financing, where users need to pay a daily cost of 6-10 basis points, while Huma optimizes the process through its stablecoin settlement system, significantly compressing its own costs and creating considerable profit margins. On the other hand, there is the credit card business, where the $16 trillion market size is a big piece of cake. The team leverages past card issuance experience to profit from the time difference between when users make purchases and when they repay, through capital operations and transaction fees. As the business scale expands, these two engines will continue to exert force, supporting a broader profit space.

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