Imagine a world where sending money globally is as simple and cheap as firing off an email. That’s not a dream — it’s what Huma Finance is building.
Branding itself as the first ever PayFi (Payment Finance) network, @Huma Finance 🟣 is taking a fresh, real-world approach to DeFi. Built on Solana and Stellar, the protocol allows banks, fintechs, and businesses to send stablecoins 24/7 across borders — instantly. And for everyday users? You can deposit your stablecoins into Huma and earn real yield, paid out from actual payment flows.
That’s right — no waiting days for bank transfers, no hidden fees, and no shady Ponzi-like farming. Huma is turning the old TradFi model on its head.
Eye-Catching Growth
Huma only launched in 2022, but its growth has been anything but quiet. When it launched Huma 2.0 on Solana, the platform processed over $4 billion in transactions in just two weeks. Fast forward, and that number has surged past $5.3 billion.
At the same time, the platform has attracted nearly $100 million in liquidity and is paying out around 10.5% APY on stablecoin deposits. That’s not from printing tokens — it's revenue collected from companies using the network to move real money. Fees come in, and users get paid. It’s that simple.
Real Backers, Real Users
By May 2025, Huma had already signed up 50,000+ depositors, a number that continues to climb. And it’s not flying solo — the project is backed by some of the biggest names in crypto: Circle Ventures (of USDC fame), HashKey Capital, ParaFi, Distributed Global, Robot Ventures, and others.
To date, Huma has raised around $46 million in funding — a clear signal that VCs see this as more than just another DeFi experiment.
Huma 2.0 – Yield for the People
Launched in April 2025, Huma 2.0 made the protocol fully permissionless. Now, anyone can deposit USDC and earn passive yield through two main modes:
🔹 Classic Mode
Earn a fixed 10.5% APY on USDC and accumulate “Huma Feathers” — points that count toward airdrops and rewards.
🔹 Maxi Mode
Skip the APY but earn up to 25x more Feathers, ideal for those chasing airdrops, bonuses, and early partner incentives.
You can withdraw anytime, or lock your deposit for extra boosts. Plus, each deposit mints a tradable LP token called $PST (PayFi Strategy Token), which can be used across Solana’s DeFi ecosystem.
This isn’t just another DeFi farm — it’s a system built around real cash flows. That’s what makes it powerful.
Meet $HUMA – The Network’s Fuel
The $HUMA token isn’t just for trading — it’s the backbone of the entire PayFi network.