I see many people saying that Huma is doing hunger marketing, opening a few pools after a while, and even using harsh words...
In fact, Huma's business model is completely barbell-shaped.
What does that mean?
If there are more clients for the payment company, then the needed funds will increase, and pools need to be opened for clients to use.
If there is more money, then efforts must be made to attract more clients, making the "circulation times" of total funds faster, so that a 10.5% annualized return can be ensured for deposit users.
In this business model, balance itself is beauty.
Of course, it seems that upstream funds are currently not lacking, and a pool can be fully filled in 9 hours; it just depends on how large the downstream client base is. After all, for Huma, acquiring quality clients is much harder than financing.
According to the data, it is conservatively estimated that 0.1% of the global cross-border total uses third-party funding, while Huma only accounts for one-tenth of this portion, with a market size of $19.46 billion.
Moreover, Arf is just one of Huma's business lines. When I did my research early on, Huma also had financing for small and medium enterprises, Depin financing, credit card funding, etc.
However, after Huma launched version 2.0, it is clear that it is leaning towards its flagship product Arf, focusing on doing one thing well before considering expansion into other lines, which happens to be a style I personally like.
In Lei Jun's seven-character maxim, "focus" is the top priority, forming a stark contrast between Huma and certain projects in the industry.
The specific business model is as follows 👇
