Huma Finance (often called Huma or HUMA) is the world’s first “PayFi” protocol, pioneering blockchain-based payment financing using stablecoins and real‑world assets. It tackles traditional payment inefficiencies—such as slow processing, hidden fees, and limited transparency—by offering 24/7 on‑chain liquidity to merchants, workers, and supply chains . Since its founding in 2022 in San Francisco, the platform has processed billions in transactions (reportedly over $3.8–4 billion), delivering double‑digit yields to liquidity providers, and raised about $38 million in Series A funding . Huma’s recent 2.0 upgrade expanded access: including permissionless pools for individual users, compliant services for institutions, flexible staking options, and deep integrations with Solana‑based DeFi.