HUMA Series (24): The Transition from Deposits to Earnings
In traditional finance, when you deposit money in a bank, you only receive meager interest, as most of the value is consumed by bank shareholders and administrative expenses. Huma Finance's PayFi model completely transforms this logic, allowing deposits to be directly converted into sustainable earnings through the $HUMA token and liquidity pools for fair distribution.
In Huma 2.0, when you deposit stablecoins into the pool, you are not just 'putting it aside'; you are participating in global payment and credit infrastructure. The pool supports on-chain lending, using future cash flows such as salaries or invoices as collateral, providing real-time liquidity. Your deposits earn double-digit APY, sourced from actual transaction fee sharing, which has exceeded $3.8 billion in transaction volume. The classic model provides stable returns, while the maximizing model amplifies Huma feather rewards.
The core of this transformation is transparency and decentralization. Banks do not inform you how your money is used, but Huma uses smart contracts to make everything public. As an LP, you can see how funds support cross-border payments and supply chain finance, breaking the inefficiencies of SWIFT. The locking mechanism further enhances returns, allowing you to achieve higher multipliers after 3 or 6 months. DeFi integrations like Jupiter and Kamino enable your pool tokens to earn additional rewards.
I have personally tried it, and the feeling of witnessing the growth of earnings from deposits is very different. In the past, deposits felt like a black box; now it is about participating in an ecosystem and sharing in the growth. Huma's mission is to allow everyone to equally obtain earnings, no longer letting intermediaries take away most of the value. Families preserve more wealth, merchants accelerate liquidity, and the global economy becomes more efficient. If you are tired of the tricks of banks, Huma's transformation is worth a try; start with small deposits and experience the charm of PayFi.
