What Is Huma Finance (HUMA)?
$HUMA Finance is the pioneering PayFi protocol—a fusion of payment financing and DeFi—that enables real-time, stablecoin-backed payments and credit on-chain .
Businesses upload invoices or receivables as collateral on-chain to receive USDC or USDT instantly, bypassing traditional banking delays . Liquidity providers contribute stablecoins into pools, earning steady yields plus HUMA token rewards .
Built with efficiency in mind, the platform leverages Solana for speedy, low-cost settlements and targets the massive trade-finance market—estimated at $250 trillion in addressable opportunity .
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Market Overview & Fundamentals
Market Capitalization
Circulating Supply: ≈ 1.733 billion HUMA
Max Supply: 10 billion HUMA
Based on CoinMarketCap, HUMA’s market cap is approximately $53 million.
Coinbase data puts it slightly higher, at around $53.75 million, with a fully diluted valuation (FDV) of $310 million.
CoinLore records a similar figure, listing a circulating-market cap of $53.1 million and an FDV around $306.5 million.
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Price & Trading Metrics
The current price per HUMA is hovering between $0.0306 and $0.0327, depending on the source.
24-hour trading volume ranges from $21 million to $27 million.
Some discrepancies exist: a Solflare report lists a higher FDV (~$307 million) and lower volume ($0.03 million), but this appears to reference a narrower trading environment.
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Project Fundamentals
Huma Finance (HUMA) is the first PayFi network—designed to enable real-time, 24/7 settlement for global payments using stablecoins and blockchain liquidity.
Built on Solana, the platform emphasizes fast, efficient settlements, targeting sectors such as cross-border payments, trade finance, and DeFi.
The protocol boasts over $3.8–$4 billion in processed transaction volume to date and offers double-digit real-world APY yields for liquidity providers through its receivables-backed yield model.
Governance and utility are embedded in the $HUMA token, with a total supply capped at 10 billion.
Strategic partnerships include Solana, Circle, Stellar Development Foundation, Galaxy Digital, and Arf/Geoswift for merchant payouts.
Upcoming developments include expansion efforts in Japan (with SBI Holdings), a badge and staking incentive program, and a push toward T+0 real-time settlement infrastructure.
