#HumaFinancee 🔍 What is Huma Finance?

PayFi Network: Huma is the first Payment Finance (PayFi) protocol, providing instant payment financing using stablecoins and on‑chain liquidity—available 24/7 .

Two product lines:

Huma Institutional: Permissioned pools for institutional investors offering receivables‑backed credit facilities .

Huma 2.0 (permissionless): Launched April 9, 2025, it opened access to retail users via Solana with modes like Classic and Maxi, USDC yields, and “Huma Feathers” rewards .

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📈 Key Metrics & Highlights

Token price: $0.0375–$0.038 USD range today .

Market cap: ~$65 million, with ~1.73 billion HUMA in circulation .

All‑time high: ~$0.069 in late May 2025.

History: Over $4.5 billion in transaction volume processed, with $2.3 billion in originated credit .

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🛠 How It Works

PayFi model: Provides short-term settlement liquidity (1–6 days) to global payment players via stablecoins; borrowers pay 6–10 bps daily .

Huma 2.0:

Classic Mode: Combines USDC yield (~10.5 % APY) with Huma Feathers.

Maxi Mode: Sacrifices USDC yield to maximize Feather rewards .

Institutional Pools: Feature structured yields via tranches, first-loss coverage, lock-ups, and governance via KYC/KYB .

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🗞️ Recent Developments

Huma 2.0 is live and accepting deposits again—offering early‑access windows with tailored allocation via Huma Feathers badges .

Updated tokenomics reveal:

10 bn HUMA total supply

5 % initial airdrop, 31 % for LP/ecosystem incentives

Team, advisors, investors, CEX listings, treasury allocations .