Huma Finance: Opening a New Era of Real Yield in DeFi

Recently, while researching DeFi projects, Huma Finance caught my great attention. @Huma Finance 🟣

Huma Finance 2.0, built on Solana, is a permissionless, compliant, and composable real yield platform. It breaks the traditional model by making double-digit stable yield products, which were previously only available in institutional finance, accessible to individual users. In the past, DeFi yields often relied on token incentives or market speculation, while Huma Finance's yields come directly from the fees paid for corporate payment financing and settlement liquidity, ensuring fast capital turnover and sustainable compound interest, unaffected by the fluctuations of the crypto market cycle.

In terms of participation, Huma 2.0 offers a classic mode and a fast mode. The classic mode is suitable for users seeking stable USDC yields (currently annualized at 10.5%, updated monthly) and will also provide basic rewards in Huma Feathers; the fast mode allows users to quickly accumulate Huma Feathers at a rate 5 times the baseline reward rate, but does not offer USDC yields, and users can switch modes as needed.

The composability of DeFi is a major highlight of Huma 2.0, achieved through the Payment Strategy Token (PST). This interest-bearing LP token allows users to integrate their Huma positions with leading protocols in the Solana ecosystem, such as exchanging PST for USDC via Jupiter from the very beginning.

In just two years, Huma Finance has processed over $3.8 billion in transactions, generating an annualized revenue of $8 million, and has already formed a scale effect, with unlimited potential for the future. We look forward to Huma Finance bringing us more surprises. #HumaFinance