Huma Finance (@Huma Finance 🟣 ) is an innovative PayFi network dedicated to integrating traditional finance with decentralized finance (DeFi), providing around-the-clock global instant payment and settlement solutions through blockchain technology and stablecoins. Its goal is to address issues such as cross-border payment delays, high fees, and low transparency that exist in traditional finance through decentralized credit infrastructure.
The core product of Huma Finance allows users to tokenize future income (such as accounts receivable or expected remittances) and obtain loans of up to 90% of expected income as collateral. This model significantly improves capital turnover efficiency, and the platform has processed over $3.8 billion in transactions, maintaining a zero default record. The technology architecture is based on the Solana blockchain, with transaction costs as low as approximately $0.00025, achieving high throughput and near-real-time processing speeds. Its ecosystem includes a five-layer open network: transaction layer, currency layer (integrating USDC), compliance layer (anti-money laundering and KYC verification), financing layer (accounts receivable tokenization), and application layer (supporting scenarios such as cross-border payments and trade financing).
The total supply of Huma Finance's token $HUMA is 10 billion, with governance, revenue sharing, and ecological incentive utilities. The initial circulation is 1.73 billion (accounting for 17.3% of the total), with 5% allocated for community airdrops. Recently, the project completed a significant protocol upgrade, introducing an enhanced governance framework, long-term staking incentives, and expanded token utility, driving ecological growth.
Huma Finance has received support from top institutions including Circle, the Solana Foundation, and Galaxy Digital, with total funding reaching $46.3 million. Its partners include Jupiter (pre-sale and liquidity mining) and Arf (cross-border settlement), further expanding its influence in the Web3 finance sector.
