#HumaFinance

【 @Huma Finance 🟣 Introduction】

Huma Finance is the world's first decentralized payment finance (PayFi) protocol based on 'income' and 'accounts receivable' as collateral, focusing on transforming real-world assets such as wages, invoices, and cross-border remittances into on-chain credit assets without requiring crypto collateral. It automates the credit issuance, settlement, and payment processes through modular smart contracts.

🌍 Project Status

(1) Cumulative transaction volume: over 4.5 billion USD

(2) Active liquidity: approximately 103.7 million USD

(3) Annualized return rate: 10.5% (maximum reward multiplier up to 17.5 times)

(4) Permissionless access: supports individuals and institutions to participate on demand

🧩 Project Highlights

(1) Innovative collateral model: RWA collateral loans such as wages/invoices enhance financial inclusivity

(2) Revenue model supported by real payment flows: on-chain revenue linked to real payments, strong stability

(3) Modular design: automatic collaboration among multiple parties including lenders, borrowers, LPs, etc.

(4) Native token $HUMA: used for governance, incentives, ecological development, with utility and deflationary mechanism

(5) Institutional endorsement: supported by institutions like Solana, Circle, Stellar, etc., strong compliance guarantees

💰 Token Information ($HUMA)

(1) Total supply: 10 billion

(2) Circulating supply: approximately 1.73 billion

(3) Circulating market cap: approximately 119 million USD

(4) Main uses: governance, incentives, staking repurchase, ecological access

👥 Team and Funding

(1) Team background: core members from tech giants like Google, Meta, EarnIn, etc.

(2) Total funding raised: over 46 million USD

(3) Major investors: Circle Ventures, ParaFi, Solana, HashKey, Race Capital, etc.

(4) Major investors: Circle Ventures, ParaFi, Solana, HashKey, Race Capital, etc.