Positive signals
Successful product upgrade: The successful launch of Huma 2.0 demonstrates the project's technical execution capabilities, and permissionless participation lowers the entry barrier, potentially attracting more users.
Strong business growth: The project aims to achieve a total historical trading volume of $10 billion by the end of 2025, with the existing $3.8 billion processing volume already showing a strong growth trajectory.
Ecosystem expansion: Plans to be the first major project on the Jupiter LFG 2.0 launch platform, further expanding influence.
Institutional recognition: Gained support from well-known investors such as Circle, HashKey Capital, and Stellar Development Foundation, raising $46 million.
Risks to pay attention to
Price volatility: Recent price performance has been weak, and technical indicators show a bearish trend, which may face further downward pressure in the short term.
Market competition: The community questions the validation time for the PayFi sector, believing that "the crypto market only gives three months of patience."
Token unlock pressure: The design of a 3-month lock-up period reduces selling pressure but may bring price pressure after unlocking.
Regulatory uncertainty: As an emerging PayFi field, it faces risks from changes in regulatory policies.
Investment advice
Huma Finance holds a first-mover advantage in the PayFi sector, with its pioneering role in PayFi, strong technical team, real-world revenue, and robust venture capital support, indicating substantial potential. The project's technological innovation and business growth data show a promising development outlook.
However, investors should be aware of current price volatility and the bearish trends indicated by technical indicators. While short-term price action reflects cautious trader sentiment, upcoming airdrops, increasing adoption, and protocol activity may drive long-term growth. Huma Finance is worth watching in 2025 for investors seeking exposure to next-generation DeFi infrastructure.
Recommendations for investors:
Focus on user growth and TVL changes on the Huma 2.0 platform.
Monitor the overall development and competitive landscape of the PayFi sector.
Pay attention to the potential impact of the token unlock schedule on prices.
Consider building positions in batches to reduce volatility risk.