*Huma Finance ($HUMA): Bridging the Real World and DeFi through PayFi*
Huma Finance ($HUMA) is a pioneering project in the world of PayFi (Payment-Finance), focusing on providing access to modern finance through blockchain, not just for crypto collectors—but also for businesses and workers in the real world. Essentially, Huma allows anyone to access asset-based loans from real-world income such as salaries, invoices, or tokenized royalties, without needing large collateral like in conventional lending platforms.
The uniqueness and key features of Huma Finance:
- *Tokenization of real-world income*: You can “slip” your income (salary/invoice) onto the blockchain, then use it as collateral for loans, opening up quick & transparent credit access, without the hassle of traditional banking systems.
- *Staking & Governance*: HUMA is used for staking, governance voting (regulating fees, rewards, or ecosystem proposals), and gaining access to premium features like real-time settlement or transaction fee discounts.
- *Deflation & Reward*: For every transaction, 50% of the borrower's fee is used for buyback & burn of tokens, making the supply of HUMA scarcer as volume increases.
- *Multi-chain & Backed by Giants*: HUMA operates on Solana & BNB Chain, backed by Circle & Solana Foundation, and has reached a total transaction volume (TTV) of $4.4 billion.
- *Token Economy*: Total supply of 10 billion, distributed through airdrops, staking rewards, and Launchpool (Binance).
With the PayFi model and RWA (Real World Assets), HUMA is at the forefront of the DeFi revolution that is closer to the real world—a solution for individuals and businesses that have struggled to access affordable and flexible credit.
Huma Finance is predicted to have an average price of $0.055 in 2025, with potential growth as RWA adoption increases and more interest in on-chain loans develops.