#Humafinance
🧩 What is Huma Finance?
Huma is a “PayFi” DeFi protocol that aims to modernize global payments by merging on-chain liquidity with real-world financial receivables. It allows businesses to immediately receive stablecoin payments (e.g., USDT/USDC) by tokenizing invoices, while liquidity providers earn yield from transaction fees and HUMA token rewards .
⸻
⚙️ How It Works
• Dual access model:
• Institutional version (permissioned, KYC/KYB).
• Permissionless version (Huma 2.0) launched in April 2025, open to everyone—retail LPs included  .
• Liquidity providers fund pools with stablecoins. When businesses borrow, they get instant settlement; settlement is later reconciled using tokenized receivables  .
⸻
💵 Token & Economics
• Ticker: HUMA
• Max supply: 10 billion 
• Circulating supply (~May 2025): ~1.73 billion (~17.3%) 
• Token utility:
• Governance (via staking → voting power tied to stake duration) 
• Liquidity incentives
• Ecosystem currency
• Deflationary model: 50% of borrower fees go to token buy-back and burn 
• Allocation Breakdown:
• ~31% ecosystem incentives
• ~20.6% seed & Series A investors
• ~19.3% team/advisors
• ~11.1% treasury
• ~7% listings/marketing
• ~5% airdrop
• ~4% on-chain liquidity 
• Vesting:
• Early investors/team: 12-month cliff, then 3-year linear vesting
• LP incentives: quarterly decaying emissions at about 7% 
⸻
📅 Timeline & Milestones
• Founded in 2022; raised $8.3 M seed (Q1 2023), then $38 M Series A (Sep 2024) totaling $46M .
• Launches:
• Institutional version (2024)
• Permissionless Huma 2.0 (April 2025) 
• Exchange activity:
• Binance Launchpool airdrop (May 22–26, 2025): 250 M HUMA allocated 
• Listed on Binance, KuCoin, OKX, Bitget, Upbit, Bithumb (May–June 2025) 
• Partnerships:
• Integrated into Global Dollar Network
• Institutional onboarding for cross-border payments 
⸻
