Huma Finance, Binance's 70th Launchpool project, is a pioneering PayFi network (Payments + DeFi) transforming global payments. It enables 24/7 stablecoin settlements and on-chain liquidity for institutions, addressing traditional financial inefficiencies. Having processed over $3.8 billion, Huma provides double-digit real-world yields to liquidity providers and is backed by prominent partners like Solana and Circle.

The Huma Protocol operates in two versions: a permissionless one for retail investors (launching April 2025) and a permissioned "Institutional" service offering curated, receivables-backed credit opportunities within a regulated framework.

The native HUMA token has multiple utilities:

- Governance: Staked HUMA grants voting power for key protocol decisions, like liquidity allocation and parameter adjustments, incentivizing long-term engagement.

- LP & Ecosystem Rewards: HUMA incentivizes liquidity providers and ecosystem partners, rewarding capital commitment and contributions to transaction volume and revenue. Community contributors also receive HUMA.

- Value Accrual: The Huma Foundation is developing mechanisms to utilize protocol revenue, aiming to enhance long-term value and reward active participation.

- Ecosystem Currency: While stablecoins handle real-world transactions, HUMA will unlock future advanced protocol features, such as real-time redemption.

Huma's existing products include:

⭐Cross-Border Payment Financing: ⭐Instant settlement without pre-funding.

⭐Stablecoin Backed Cards: Real-time settlement with stablecoins.

⭐T+0 Settlement: Institutional-ready same-day settlement.

⭐Trade Finance: Faster supplier payments.

⭐DePIN Financing: Innovative solutions for decentralized physical infrastructure networks.