Huma Finance is a next-generation decentralized finance (DeFi) protocol pioneering the concept of PayFi—a system that brings real-world payments and financing on-chain. It enables institutions and individuals to access on-demand liquidity using stablecoins, supporting faster, cheaper, and borderless financial transactions.
Huma operates two main platforms:
Huma Institutional: A permissioned pool for accredited users and partners with large-scale financing needs.
Huma 2.0: A permissionless version offering retail users access to real yield opportunities backed by real-world payment activities.
Key Highlights:
Over $4.5 billion in financing volume and $2.3B in originated loans.
Backed by $46 million in funding from major investors.
Offers real yield (e.g. ~10% APY) sourced from actual payment fees—not token inflation.
Built on multiple chains like Solana, Polygon, Celo, and Stellar.
Huma Finance represents a major step forward in combining traditional finance utility with the transparency and efficiency of blockchain technology.
