Huma Finance is an innovative PayFi protocol that leverages blockchain technology and real-world asset (RWA) tokenization to provide efficient and transparent payment financing solutions globally. Operating primarily on the Solana and Stellar blockchains, Huma Finance focuses on areas such as cross-border payments, credit card settlements, trade finance, and decentralized infrastructure (DePIN) financing. By utilizing stablecoins like USDC, it enables 24/7 instant settlements, significantly reducing the costs and delays of traditional financial systems.
Huma Finance offers two core products: Huma 2.0, a permissionless platform for retail investors to deploy capital through Huma’s lending pools and other DeFi protocols, earning stable real-world yields (APY around 10.5% or higher), and Huma Institutional, a permissioned service for institutional and accredited investors requiring KYC/KYB verification, focusing on high-performance receivables financing.
In 2024, Huma merged with Arf, a cross-border payment platform, enhancing its RWA tokenization capabilities. The platform projects a transaction volume of $10 billion in payment financing by 2025. By connecting global borrowers and investors through decentralized finance (DeFi), Huma Finance is driving the future of payment financing with fast, transparent, and cost-effective solutions.
