🏦 What is Huma Finance?
Huma Finance is a decentralized protocol that belongs to a new sector called PayFi (payment finance). Its main objective is to allow companies or individuals to use future income or accounts receivable as collateral to obtain loans in stablecoins like USDC or USDT.
Instead of using cryptocurrencies as collateral, as in most DeFi protocols, Huma Finance focuses on real-world assets (RWA) such as:
Future salaries
Commercial invoices
Cross-border payments
Salary or pension advances
---
🔧 How does it work?
The platform connects individuals or companies that need liquidity with lenders, all through smart contracts on the blockchain.
Huma offers two types of participation for depositing USDC:
1. Classic Mode
Earns interest with stablecoins (~10.5% APY)
Rewards with HUMA tokens (Feathers)
2. Maxi Mode
Locks funds for 3 or 6 months
Increases rewards in HUMA
---
💰 HUMA Token
Symbol: HUMA
Network: Compatible with multiple blockchains (Polygon, Solana, Stellar, etc.)
Token use:
Participation in governance
Rewards for participating as a lender
Staking (locking) to earn more tokens
Total supply: 10 billion tokens
Deflationary model: a portion of the fees collected is burned to reduce supply
---
📈 Growth data
Over $4.5 billion processed in total
$2.3 billion in originated credits
In May 2025, it surpassed 53,000 users with over $50 million deposited
66% of users chose Maxi Mode
---
🚀 Launch and backing
Launched in April 2025 for retail users with the Huma 2.0 version
It also has an institutional version (Huma Institutional) with KYC for regulated companies and investors
Funding:
In 2023: $8.3 million in seed round
In 2024: $38 million in Series A round
