In the global financial system, traditional payment methods such as SWIFT are criticized for their slow speed, high costs, and low transparency. Huma Finance, through its PayFi (Payment Finance) network, utilizes the high performance of the Solana blockchain to provide instant settlement and stable returns, with a trading volume reaching $4.5 billion.
Huma Finance's PayFi network is based on Solana, with TPS of up to 5000 and transaction fees as low as $0.005. At its core is Huma 2.0, a permissionless and compliant platform that allows users to participate in payment financing with stablecoins (such as USDC) to achieve an annualized return of 10-15%. $PST (PayFi Strategy Token) is a liquidity yield token that can be traded or used as collateral in Solana DeFi protocols such as Jupiter and Kamino, with a TVL of $103 million.
Huma Institutional provides customized services for institutions, supporting cross-border payments (such as Arf) and card settlements (such as Rain), with a zero default rate demonstrating its stability. Huma 2.0 offers two models: Classic Model (stable USDC returns + Huma Feathers rewards) and Maxi Model (5x Feathers rewards, no USDC returns).
Users can choose a lock-up period of 3 or 6 months to enhance reward multiples, offering great flexibility. Funds quickly cycle through smart contracts (1-6 days), generating returns based on real commercial activities, not market speculation. The $HUMA token (total supply of 10 billion, circulating supply of 1.733 billion, price of $0.1, market cap of $173 million) is used for governance, incentives, and payment of fees. In May 2025, Binance Launchpool airdropped 25 million $HUMA, covering 540,000 users.
Application scenarios include:
Cross-border payments: Achieve T+0 settlement through Arf, reducing costs by 30%.
Card settlements: Rain utilizes Huma's liquidity to support instant payments.
DeFi Integration: PST trades in Jupiter's AMM pool, enhancing liquidity.
Microloans: Providing accounts receivable-based financing for small and medium enterprises.
Huma collaborates with the Solana Foundation and Circle to optimize stablecoin settlements; in 2024, it secured $18.3 million in funding, accelerating the deployment of Huma 2.0. Huma's smart contracts are audited by Halborn to ensure security. Huma Finance provides users with stable and efficient payment financing solutions through the PayFi network and the $PST mechanism. Its ecosystem integration is reshaping the global payment landscape. In the future, Huma will serve the $30 trillion market through cross-chain expansion and DePIN financing.@Huma Finance 🟣
