🌐 What is Huma Finance (HUMA)?
Huma Finance is the first decentralized finance (DeFi) protocol to build the PayFi (Payment Finance) model – connecting real-world payments with blockchain, allowing users and organizations to access credit based on future income such as salary, bills, or international remittances.
This project aims to provide instant liquidity for financial activities such as:
• Cross-border Payments
• Trade Financing and Credit Cards
• Decentralized Infrastructure Funding (DePIN)
Huma operates on blockchains like Solana and BNB Chain, leveraging smart contracts to conduct loans, payments, and credit assessments transparently and automatically.
⸻
⚙️ Operating Mechanism: PayFi Model
Huma Finance builds an ecosystem consisting of 4 main components:
1. Credit Issuer: Assess risk and provide capital.
2. Receivable Creator: Convert future income into on-chain assets.
3. Liquidity Providers: Provide capital for the system.
4. Borrowers: Receive credit based on expected income.
The entire process is conducted through smart contracts, ensuring transparency and efficiency.
⸻
💰 HUMA Token: Utility and Governance
• Token Name: HUMA
• Total Supply: 10 billion HUMA
• Initial Circulating Supply: 1.73 billion HUMA (17.33%)
HUMA Token serves as a utility and governance token in the Huma Finance ecosystem. Holders can stake to participate in key protocol decisions such as liquidity allocation, parameter adjustments, and reward distribution.
⸻
📊 HUMA Token Allocation
LP & Ecosystem
31.0%
VC Investors
20.6%
Team & Advisors
19.3%
Protocol Treasury
11.1%
CEX & Marketing
7.0%
Creating Market & On-chain Liquidity
4.0%
Initial Airdrop
5.0%
Presale
2.0%
Huma Finance has raised a total of $46.3 million from major investment funds such as Fenbushi Capital, HashKey Capital, ParaFi Capital, Circle Ventures, and Distributed Global.
⸻
🚀 Highlighted Events
• Binance Launchpool: HUMA is the 70th project on Binance Launchpool, allowing users to farm for free for 3 days from May 23-26, 2025.
• Airdrop & Kaito AI: Multi-season airdrop campaign with a total allocation of 5% of tokens, encouraging the community to create content and engage on the Kaito AI platform.
• Listing on Binance: HUMA Token will be officially listed on May 26, 2025.
⸻
🔗 Conclusion
Huma Finance is paving a new path for DeFi by connecting real income with blockchain, enabling millions of people and businesses to access credit without traditional collateral. With strong support from investment funds and a robust technology platform, HUMA promises to become one of the most prominent DeFi projects of 2025.
#BinancelaunchpoolHuma #Humafinance $BNB #HUMA