Huma Finance is a decentralized Payment Finance (“PayFi”) protocol that tokenizes real-world receivables (e.g. invoices) into on-chain liquidity, enabling institutions—and now retail users via Huma 2.0—to settle payments 24/7 in stablecoins with processing times measured in seconds rather than days (Binance). The native HUMA token (10 billion max supply, ~1.73 billion circulating right now) powers governance, staking, and liquidity incentives, and 50 % of borrower fees are automatically used to buy back and burn tokens—creating sustained deflationary pressure (XT.com). After launching its closed, institutional version in 2024, Huma released a fully permissionless platform in April 2025, allowing anyone to deposit USDC/USDT in Classic or Maxi pools to earn double-digit real yields plus HUMA rewards (Binance, CoinDesk). Backed by the likes of Solana, Circle, and Galaxy Digital, the protocol has already processed billions of dollars in real-world payment volume with zero credit defaults (blog.huma.finance, XT.com). As of early August 2025, HUMA trades at approximately $0.03457 USD with a circulating supply of around 1.73 billion tokens, giving it a market cap in the low hundreds of millions (coingecko.com).
Huma Finance (HUMA) is a decentralized PayFi (Payment Finance) network aiming to revolutionize global payments by providing instant access to liquidity using blockchain technology and stablecoins. It enables 24/7 settlements for cross-border payments, credit cards, trade finance, and DePIN financing.
As of August 4, 2025, HUMA is trading at approximately \$0.0345, with a market cap of around \$60.43 million and a circulating supply of 1.73 billion tokens. The platform has processed over \$3.8 billion in transaction volume, delivering double-digit real-world yields to its liquidity providers.
