Have you ever felt that transferring money across countries is slow, complicated, and expensive?
That's because it still uses old systems like SWIFT—slow, non-transparent, and only active during business hours.
But now, crypto brings a solution: A global payment system that is real-time, transparent, and operates 24/7.
And one of the hottest projects in this field is: 🔥 Huma Finance — a pioneer in the world of PayFi (Payment Finance).
Let's break down the project. Is it worth it to be the next target?
What Is Huma Finance?
From the front view of the website, it's clear that Huma Finance is the first PayFi network in the world. It makes global payments super fast with instant liquidity, anytime and anywhere.
Huma Finance is a startup by Silicon Valley fintech veterans that creates a modern payment system using crypto (stablecoins).
They make global transactions run 24/7 without the hassle of banks, suitable for international transfers, credit cards, and business financing. They call this the PayFi ecosystem—a combination of payment and finance in the crypto world.
Launching Huma 2.0 on Solana
Through Huma 2.0, they open access for everyone—not just large institutions. Now anyone can participate in earning yields from real-world transaction flows. Choose how you want to earn yields, and connect directly to the DeFi ecosystem on Solana.
What's New in Huma 2.0?
Classic Mode: Earn a real yield of 10.5% APY (monthly updates) + Huma points (Feathers).
Maxi Mode: No APY, but earn Feathers up to 17.5 times more (limited promo).
Feathers = points that can earn rewards later.
If you lock your funds for 3 or 6 months, the reward multiplier increases. You can also switch modes anytime, at no cost.
The LP token ($PST) is liquid and can be used in the Solana DeFi ecosystem:
Jupiter: Instant swap PST to USDC.
Kamino: Can swap or borrow USDC using PST (lending feature not live yet).
RateX: Can split PST for leverage profit strategies.
There is also a referral system: you earn 10% of the Feathers from the people you invite, for 1 year.
These are the key performance statistics (key metrics) of Huma Finance
🔹 Total Transaction Volume – $4.5B
This means that Huma has helped process payments/settlements worth 4.5 billion dollars. Huge = validation that this product is actually used.
🔹 Total Active Liquidity – $104M
This is important because the greater the liquidity, the more transactions can be served.
🔹 Real Yield – 10.5%
Real annual yield (APY) that LPs can earn, not from speculation, but from actual transaction fees.
🔹 Rewards Up To – 17.5x
➡️ If you choose Maxi mode and lock your funds, you can earn rewards (Feathers points) up to 17.5 times more.
Modern payments require modern infrastructure too.
Huma's PayFi Stack provides a flexible 6-layer system to accelerate payments—from:
- fast blockchain,
- stablecoin,
- fund security,
- legal compliance,
- financing,
- up to applications that can be used directly.
🌍 Huma Finance Accelerates Global Money Circulation
🔹 Cross-Border Payment Financing
Pay across countries directly without having to deposit funds first—faster, no waiting, and lower costs.
🔹 Cards with Stablecoin
Pay using a card but the funds come from stablecoin—cheaper, settled immediately, and transparent on the blockchain.
🔹 T+0 Settlement
For institutions: transactions are completed the same day (no waiting T+2), so capital can circulate faster.
🔹 Trade Finance
Payments to suppliers are faster and more efficient—making business smoother and growing.
🔹 DePIN Financing
Help Web3 infrastructure projects obtain funding in a new way that is more suitable for the digital era.
✨ What Makes Huma Different?
🔹 Directly Liquid Funds
Need funds? Get them immediately. Huma's liquidity system is fast and efficient.
🔹 Built-in Risk Management
Your funds are safe. Huma uses world-class risk management systems + smart contracts to keep everything under control.
🔹 Regulatory Compliance
Has an AML (anti-money laundering) check system and investor status verification—nothing casual.
🔹 Open & Flexible Design
Can be customized to suit needs. Want to build your own financial solution? Just plug & play.
Huma's Achievements:
2024
• Launch the first PayFi network in the world.
• Secured funding of $38 million.
• Released Open PayFi Stack to accelerate global payments.
• Identified by Messari as a major potential sector in 2025.
• Hosting the PayFi Summit with Solana, partnering with Circle, VISA, PayPal, etc. Plans to continue with 5 more summits in 2025.
2025
• On-chain transaction process of $4.5 billion.
• Generated nearly $10 million in annual revenue.
• Wallet count increased 10x to 55,382 since Huma 2.0.
• Partnering with institutional liquidity providers (LP).
• Major collaboration with Jupiter (pre-sale token & JupDao swap).
• Ranking #1 in popularity in Kaito Pre-TGE Arena, across all languages.
🎉 Meet $HUMA: The Driving Force of PayFi!
Huma has just announced its official token: $HUMA. This token is used to govern the system, distribute incentives, and serve as the main fuel for the PayFi ecosystem.
🔑 Function of $HUMA:
1. Voting & Governance: $HUMA holders can stake and participate in voting to govern the protocol's direction.
2. LP & Community Rewards: LPs, partners, and active contributors receive rewards in the form of $HUMA.
3. Long-term Commitment Bonus: The longer the staking, the greater the profit.
4. Internal Currency: $HUMA will be used for advanced features later (like real-time redemption).
📊 Token Distribution (Total Supply: 10 Billion):
• 5% Initial Airdrop 🎁
• 31% LP & ecosystem incentives 🚀
• 7% for CEX listing & marketing 📢
• 4% for price stability 🔄
• 2% Pre-sale
• 20.6% early investors 💰
• 19.3% team & advisors 👥
• 11.1% protocol treasury
💡 Additional Facts:
• 17.33% of tokens in circulation at the start
• The vesting schedule is designed for long-term project sustainability
• The smart contract has been audited 🔒
• The second airdrop is planned 3 months after TGE
🧠 In summary?
$HUMA is not just a token—it's a tool for everyone to engage in the future of the global crypto-based financial system 🚀
🚨 Binance Launchpool Alert
Yesterday, the HUMA Token entered Binance Launchpool, listing immediately rose, and many regretted knowing just after it was over 😓
📅 Launchpool has limited time:
It usually takes only 5-7 days to farm the new tokens.
💡 Those who deposit early will receive more!
🚀 Binance Launchpool = a way to get new tokens just by staking BNB or FDUSD
🆓 No purchase required! Just need to deposit coins & wait for the harvest.
🚨 Here's How Not to Miss Out on Binance Launchpool!
🔸 Must use a verified Binance account.
📲 Register on Binance Using Code “KRB16V29” Enjoy 10% Trading Fee Discount Forever.
🔸 After your Binance account is set up
🔸 Open the Launchpool menu on Binance and click on the ongoing Launchpool
🔸 Then stake BNB, FDUSD, or USDC according to the specified period.
📌 Note:
- User rewards will be updated every hour.
- You can collect rewards (calculated every hour) and claim them directly to your Spot Account at any time.
- The earlier and larger the staking, the bigger the allocation.