### 🌟 Huma Finance: Innovator in the PayFi Track, How to Reshape Finance with RWA?

**🚀 Key Highlights**

1. **PayFi Pioneer**: Huma Finance has pioneered the "Payment Finance" model, allowing businesses to **collateralize real assets (such as invoices and accounts receivable) on-chain** and instantly obtain USDT/USDC liquidity, addressing the pain point of traditional cross-border payment delays of 3-5 days. It has handled over **4.5 billion USD in transactions** with a zero bad debt rate!

2. **Deflationary Token Economy**:

- Total supply of 10 billion HUMA, with an initial circulation of only 17.33% (approximately 1.733 billion), effectively controlling the supply.

- **50% of protocol transaction fees are used for buyback and burn**, continuously supporting long-term value through deflation.

3. **Real Yield Scenarios**:

- Users can choose to deposit stablecoins in **Classic Mode (10.5% annualized + HUMA rewards)** or **Maxi Mode (5x HUMA rewards)**.

- Yields are derived from corporate payment financing costs, **decoupled from crypto cycles**, ensuring strong sustainability.

4. **Ecosystem Integration**:

- Issued liquid staking token **$PST**, tradable on Solana DEX (such as Jupiter), enabling yield composability.

- Multi-chain deployment (Solana, Stellar, EVM), deeply integrated with traditional financial giants like Visa and Circle.

**⚠️ Risk Warning**

- **Regulatory Challenges**: Different countries have varying policies on stablecoins/DeFi, which may limit functionalities in certain regions.

- **Collateral Asset Volatility**: If corporate invoices default or stablecoins decouple, it may impact the liquidity pool.

**💎 Future Potential**

The 2025 roadmap shows that Huma will launch real-time bank card settlement, connect to the global USD network, and target an **annual transaction volume of 40 billion USD**. With a $30 trillion cross-border payment market, capturing just 0.01% market share could yield a tremendous market cap potential!

> **📌 Summary**: Huma builds a moat with RWA + on-chain credit, and its non-speculative yield model and deflationary token mechanism may become a safe haven in bear markets!

#HumaFinance #PayFi #RWA #DeFi #Solana

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*Data as of July 2025, for details refer to [Huma Official Website](https://www.huma.finance) | Investment requires caution, this article does not constitute advice*#HUMAfinance❤️❤️❤️❤️❤️💥💥💥💥