@Huma Finance 🟣 #HumaFinance



What Is Huma Finance?

A Payment Finance (“PayFi”) protocol that tokenizes real‑world assets—like invoices, salaries, and remittances—to enable instant, stablecoin‑backed credit. Users receive USDC/USDT upfront based on future income or receivables, bypassing traditional collateral requirements reddit.com+14xt.com+14medium.com+14.

It operates on major blockchains such as Ethereum, Solana, Binance Smart Chain, and Stellar, facilitating real‑time settlement outside the legacy banking system .

🌍 Background & Funding Highlights

Founded in 2022 by ex-carrier tech and fintech leaders:

Richard Liu (formerly Google, EarnIn, Leap.ai)

Erbil Karaman (ex-Lyft, EarnIn, Meta)

Joined by Patrick Campos in 2025 as Chief Business Officer bitget.com+2messari.io+2coinengineer.net+2.

Fundraising milestones:

Seed (Feb 23, 2023): $8.3 M medium.com+3messari.io+3bitget.com+3

Series A (Sept 11, 2024): $38 M (notably from Distributed Global, HashKey Capital, Circle Ventures, Stellar Foundation, TIBAS Ventures, etc.) medium.com+5messari.io+5bitget.com+5.

Merger with Arf (Apr 2024): Strengthened liquidity solutions within its ecosystem f.invest.gov.tr+6messari.io+6medium.com+6.

⚙️ Product & Technology

Users deposit invoices or future income streams; the platform tokenizes them, providing instant USDC/USDT liquidity.

Liquidity providers (LPs) earn yield and HUMA token rewards; 50% of protocol fees automatically buy-burn HUMA to reduce circulating supply xt.com+1humafinance.org+1.

Cumulative on-chain volume exceeds $4–4.5 billion, with around $100 million in active liquidity pools, offering real yields around 10%, and up to 17× incentive multipliers bitget.com.

🔗 Blockchain Expansion & Integration

Live on Solana since November 2024, leveraging fast finality (≈400 ms) and ultra-low fees (~$0.0025) reddit.com.

Plans to integrate further with Stellar’s Soroban, Ethereum, BSC, reinforcing multi‑chain liquidity reddit.com.