@Huma Finance 🟣 is therefore on track to achieve a total transaction volume of $10 billion... 🟣
But how to maintain an APY of over 10% without printing tokens from nothing?
I explained how Huma generates actual yield and why placing your money in the HUMA pool is the best strategy in a downturn! Trust me, buddy.
1/9 🧵
First of all, what is actual yield?
This is about income from actual economic activity, not emissions or dilution.
You earn from:
✅ Loan fees
✅ Card settlements
✅ Payment financing
Its fiat moves to crypto.
2/9 🧵
The APY used to be determined by token emissions:
🔸 Projects printed their tokens to simulate a high yield.
🔸 This yield collapsed when everyone abandoned the rewards.
🔸 Driving a token to zero, right?
🔸 for example: $USUAL went from $1.44 to $0.078 in pure dilution.
This is not sustainable.
3/9 🧵
The actual yield, on the other hand, comes from real income.
Think of it this way:
🔸 Lido = validator income
🔸 GMX = trading fees
🔸 Pendle = tokenization of actual yield
Huma now applies the same logic to payments.
4/9🧵
The secret weapon of $HUMA is PayFi. Credit rails based on payments.
Enterprise clients love:
🔸Arf (global regulation)
🔸Lulu (giant of the greens)
🔸Raincards (card payments)
...Use Huma to borrow stablecoins for 1 to 5 days at a time.
5/9 🧵
How does it work?
🔸 These short-term loans recycle capital up to 100x/year.
🔸 Every day, they pay fees, and this income comes back to you (to the LP).
🔸 Therefore, you receive actual cash flows that return to the protocol.
6/9 🧵
🔸 This is how Huma can offer:
🟣 10% APY in classic mode
🟣 Up to 19x feather multipliers in Maxi mode
And it's evolving!
The co-founder of Huma stated that there is a growth track of 20 to 30 times higher with the right partners.
7/9 🧵
Let's do the math.
🔸 If Huma reaches an annual volume of $10 billion and recycles it 100 times with short-term credit...
🔸 You're looking at $245 million per year in real income related to the protocol.
🔸 This would place Huma in the TOP 10 of all crypto dApps in terms of revenue.
8/9 🧵
Oh and Huma 2.0 has just been launched:
🚀 Portfolio cap of $500,000
🗓 Early access (OG/Vanguard): July 13
🗓 Public: July 14
🔵 Classic mode: 10% APY
🟣 Maxi mode: Up to 19x Feathers
You have a quick chance to add items to the pool here:
9/9 🧵
Actual yield is the future of DeFi.
And Huma builds it with:
✅ Real-world financial sector clients
✅ Real income
✅ Real incentives for LPs and stakers
✅ Loan based on its revenue or invoices, real-world asset tokenization: UNIQUE, INNOVATIVE AND CREATED BY HUMA FINANCE
We're still early.
Don't sleep on what PayFi and Huma are doing. 🟣
