Huma Finance is the pioneering PayFi network, bridging traditional finance and blockchain by enabling institutions to access instant, on-chain liquidity using stablecoins. Instead of relying on archaic legacy rails like SWIFT and pre‑funding, financial entities can tap into programmable payment systems for real-time settlement.
Launched with Huma 2.0 in April 2025 on the Solana and BNB Smart Chain networks, the platform offers both permissioned institutional access and permissionless public DeFi participation. Anyone can now provide liquidity, earn stablecoin yields, and stake $HUMA.
---
🔧 Utility of the $HUMA Token
Transaction Fees & Burn Mechanism: Protocol fees are charged daily (typically 6–10 bps) until liquidity is repaid. Half of these fees are used to buy back and burn $HUMA, creating deflationary pressure.
Governance & Incentives: Token holders can stake HUMA to participate in governance and vote on incentive structures, liquidity rewards, and upgrades.
Liquidity Rewards: Liquidity providers earn actual stablecoin yield (up to ~10.5%) plus supplemental $HUMA rewards, with higher multiplier tiers available via lockups
