Huma Finance is a PayFi network built on blockchain technology, simply put, it makes global payments faster, cheaper, and more transparent. Imagine traditional bank transfers taking days, with high fees, while Huma can complete cross-border payments, merchant settlements, or trade financing in seconds using stablecoins (like USDC), with fees only a fraction of traditional systems. It has two main functions:
Instant Payments: Merchants receive money immediately after selling goods, suppliers can get paid as soon as they ship, and overseas remittances arrive in seconds without being 'skimmed' by middlemen.
High-Yield Investment: Ordinary people can deposit money into Huma and earn annualized returns of 15%-24%, much higher than bank deposits, and it has a zero-default record, making it safe and reliable.
Core Advantages of HUMA
Addressing Payment Fragmentation
Huma integrates multi-chain payment networks and stablecoins (such as USDC, PYUSD) through its on-chain liquidity center, providing payment institutions and users with a seamless global settlement experience. Compared to traditional SWIFT systems (settlement times of days, fees up to 1%-3%), Huma's transaction fees are only 8-10 basis points, and settlement times are reduced to seconds. This efficient liquidity-sharing mechanism reduces reliance on cross-chain bridges, enhancing fund security and payment efficiency, particularly suitable for high-frequency cross-border transactions and trade finance scenarios.
Optimized User Experience
Huma offers one-click payment and asset transfer functions, allowing users to easily complete cross-chain payments and liquidity management through an intuitive web interface or mobile app. The PayFi strategy token ($PST) introduced in Huma 2.0 allows users to trade or stake seamlessly within protocols like Jupiter and Kamino in the Solana ecosystem, reducing operational complexity and transaction costs. Whether for retail users or institutional clients, Huma provides a smooth, low-cost payment experience.
Multi-Chain Support
Huma supports multi-chain environments such as Solana, Polygon, Celo, and Scroll, with plans to expand to Stellar Soroban, providing developers with flexible payment protocol integration tools. It offers APIs, SDKs, and a web interface to support rapid PayFi application development. In addition, Huma plans to launch AI-driven payment analysis tools, enabling developers to generate payment logic through natural language, lowering development barriers, suitable for DeFi, trade finance, and enterprise-level payment scenarios.
HUMA's Performance in the Industry
Market Position
Although Huma has not reached the market scale of Aave or MakerDAO, its $46 million funding and a $75 million valuation (with an expected TGE FDV of nearly $1 billion) demonstrate its potential in the PayFi and RWA sectors. Huma has supported over $4.63 billion in transaction volume, serving global payment institutions and DeFi users, covering scenarios such as cross-border payments, trade finance, and stablecoin credit cards. Its zero-default record and double-digit yields have made it stand out in the DeFi market, attracting widespread attention from both retail and institutional investors.
Technological Innovation
Huma's PayFi protocol utilizes smart contracts and on-chain credit evaluation to implement a credit mechanism supported by accounts receivable, providing instant liquidity for payments. Its multi-chain architecture integrates Solana's high throughput (thousands of transactions per second) and low cost (approximately $0.00025 per transaction), along with the interoperability of Polygon and Celo, supporting PB-level encrypted storage and efficient queries. Huma's Huma 2.0 model (Classic and Maximization modes) merges PoS staking with liquidity mining through Huma Feathers rewards and $PST tokens, incentivizing ecosystem participation. In the future, Huma plans to integrate with Stellar Soroban to further enhance cross-chain payment capabilities.
Core Competitiveness of HUMA
Huma addresses the inefficiencies and high costs of traditional payment systems through its modular PayFi protocol and multi-chain interoperability, while providing innovative solutions for DeFi and RWA. Its on-chain liquidity center and zero-default credit mechanism ensure high security and yield, attracting investors seeking stable returns. Huma is compatible with both EVM and non-EVM environments, supporting mainstream stablecoins like USDC and PYUSD, perfectly suited for scenarios such as cross-border payments, trade finance, and stablecoin credit cards. Huma's Huma Feathers and VIP programs incentivize community participation and high-value dApp development, creating a seamless and efficient PayFi ecosystem for developers, payment institutions, and users, becoming a hub in the decentralized payment space.
Token Details and Distribution
Token Name: Huma (HUMA)
Total Token Supply: 10,000,000,000 HUMA
Initial Circulation: 1,733,000,000 HUMA (approximately 17.33% of total token supply)
Launchpool Total: 500,000,000 HUMA (5.0% of total token supply)
Financing Background
2022 (Seed Round): $8.3 million, led by Race Capital, with participation from Distributed Global, Inflection, and others.
2023 (Expansion Round): $38 million, led by Galaxy Digital, with follow-on investments from Coinbase Ventures, HashKey Capital, and others.
Angel Investors: Including industry leaders like Solana Labs, Circle, Stellar Development Foundation, etc.
Ecosystem Support
Huma has established partnerships with multiple Web3 projects and enterprises:
Solana: Utilizing its high-performance blockchain to support low-cost, high-throughput payment settlements.
Circle: Integrating USDC as the core stablecoin to support global payments.
Stellar Development Foundation: Plans to expand to Stellar Soroban in 2025 to enhance cross-chain capabilities.
Jupiter and Kamino: $PST token integration with Solana ecosystem's DeFi protocols, providing liquidity mining opportunities.
October 2024: Launching the 'PayFi Yappers' event in collaboration with Kaito AI, distributing 0.5% of HUMA tokens to incentivize content creation.
May 2025: Huma will host the PayFi Summit, in collaboration with Circle and Solana, initially allocating 100 million HUMA tokens for community rewards.
Summary
Huma Finance provides efficient, transparent decentralized solutions for global payments and financial services through its innovative PayFi network. Its on-chain liquidity center, multi-chain interoperability, and zero-default credit mechanism address the fragmentation and inefficiencies of traditional payments, bringing new possibilities to DeFi, trade finance, and stablecoin credit cards.