I. Original intention of birth: Break the shackles of traditional payments, making finance more efficient and inclusive
In 2022, a group of pioneers in the finance and technology sectors founded Huma Finance in San Francisco. They witnessed the global cross-border payment system's reliance on prepaid accounts, with trillions of dollars trapped in inefficient pipelines, deeply feeling the drawbacks of the traditional payment system. Thus, with the dream of integrating real-world payment efficiency into blockchain, they decided to challenge tradition, break the payment dilemma with innovative technology, promote financial inclusion and innovation, make payments more efficient and transparent, and bring a new financial experience to global users.
II. Core technologies and products: PayFi network as the core, building an instant liquidity system
1. PayFi network: 24/7 real-time settlement
Huma Finance launched the PayFi network, leveraging the Soroban smart contract network of Solana and Stellar to achieve 24/7 real-time settlement using stablecoins (such as USDC). This innovation disrupts the lengthy clearing cycles of traditional payments, allowing funds to flow quickly on a global scale, addressing the pain points of cross-border payments, and providing instant liquidity for businesses and users.
2. On-chain credit infrastructure
In 2024, Huma merged with Arf, introducing an on-chain credit platform that has a trading volume of $300 million and maintains a zero default record. This powerful credit infrastructure provides solid credit support for Huma's financial services, allowing users to trade with more peace of mind.
3. $HUMA token economy
In May 2025, the HUMA token (total supply of 10 billion) was launched through Binance Launchpool and community airdrop, oversubscribed by 13500% on the first day, reaching a market cap of $55 million, with a 24-hour trading volume exceeding $80 million. The HUMA token is not only used for governance but also incentivizes users to participate in ecological construction through mechanisms such as staking rewards, promoting the prosperity of the Huma Finance ecosystem.
III. Core values: Connecting the real world with on-chain, creating stable returns and financial inclusion
1. Create stable returns for liquidity providers
The PayFi network generates an annualized yield (APY) of over 10.5% for liquidity providers through daily transaction fees of 6 to 10 basis points, with returns unaffected by market fluctuations. Huma 2.0 was launched on Solana in April 2025, offering Classic (10.5% APY) and Maxi (high multiplier Huma Feathers rewards) modes, attracting over $136 million in active liquidity, with total trading volume reaching $5.7 billion, providing a reliable way for user asset appreciation.
2. Promote global business and financial inclusion
Huma, in collaboration with Arf and Geoswift, launched a same-day settlement solution, providing instant payments for e-commerce platform sellers, accelerating global business flow. Partnering with Jia.xyz, it offers low-cost loans to small businesses in emerging markets through USDC, reducing financing barriers for SMEs, significantly enhancing financial inclusion, and allowing more people to enjoy financial services.
IV. Glorious achievements: Empowering ordinary users, stimulating community vitality
A Filipino e-commerce seller received instant settlement funds through Huma's PayFi network, without waiting for the lengthy clearing cycle of traditional banks, improving business turnover efficiency by 50%. Ordinary users deposit USDC into Huma 2.0, not only earning stable returns but also earning governance rights and Feathers rewards by staking $HUMA. In August 2025, Huma and MeteoraAG launched the $25,000 USDC reward LP Army Bounty, encouraging community participation, further enhancing community cohesion and activity.
V. Future outlook: Expand the ecosystem, deepen integration
In September 2024, Huma secured $38 million in financing, planning to expand the Solana and Stellar ecosystems. Its collaboration with Kaito AI and Jupiter DAO further enhances the on-chain ecosystem, with the $HUMA presale prioritizing JUP stakers, sparking enthusiasm within the community. In the future, Huma Finance will continue to use PayFi as its engine, with the community as fuel, deepening the integration of blockchain and payments, illuminating efficient and transparent stars in global payments and DeFi, and building a more prosperous and inclusive new financial ecosystem.
