#HUMAFINANCE🟣 $HUMA @Huma Finance 🟣
Huma Finance is a decentralized Payment Financing (PayFi) protocol that tokenizes real-world receivables—such as invoices, payroll, and remittances—to provide instant on-chain liquidity via stablecoins, effectively bridging traditional finance (TradFi) and decentralized finance (DeFi).
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It’s currently recognized as the world’s first fully decentralized PayFi network, aiming to speed up global payments and reduce intermediaries.
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🚀 Evolution & Ecosystem
Founders & Backing: Co-founded by Erbil Karaman and Richard Liu—veterans from tech and finance sectors. Huma has raised ~$38 million from investors including Distributed Global, Hashkey Capital, Circle Ventures, and Stellar Development Foundation.
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Merger & Scale: In early 2024, Huma merged with Arf, a cross-border liquidity provider. As of late 2024, it had processed over $2 billion in transactions with zero credit defaults, and was on track to exceed $10 billion in volume by 2025.
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Multi-chain & Protocol Launch: Initially deployed on Ethereum‑compatible chains like Polygon, Celo, Scroll, and expanded in November 2024 with a Solana launch—enabling ultra-fast, low-fee operations (≈400 ms finality, ≈$0.00025 per tx).
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PayFi Summit: Co-hosted first PayFi Summit with Solana Foundation and Stellar Development Foundation in Singapore on September 17, 2024.
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🧩 Core Infrastructure: Huma 2.0 (Retail & Institutional)
Huma’s structure offers two distinct offerings:
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Huma 2.0 (Permissionless) – Retail-focused, launched April 2025:
Anyone can provide liquidity in stablecoins (e.g. USDC/USDT) via Solana-based pools.
Choose between Classic Mode (real stablecoin yield + HUMA token rewards) or Maxi Mode (maximize token rewards at the expense of stablecoin yield).
