Huma Finance (HUMA) is a decentralized PayFi (Payment Financing) protocol designed to connect real-world financial services with blockchain technology. It enables tokenization of income streams such as invoices, payrolls, and remittances, allowing businesses and individuals to access instant liquidity at low cost. Built on multiple chains, including Solana, Ethereum, Polygon, and Base, Huma focuses on speed, scalability, and accessibility.
The platform offers both permissionless pools for retail participants and permissioned institutional pools, catering to diverse user needs. Its native token, HUMA, is used for governance, staking, rewards, transaction fees, and collateral. The total token supply is 10 billion, with allocations to liquidity incentives, marketing, investors, team, and treasury.
Since launch, Huma has processed over $3.8 billion in transactions and raised $46 million in funding from investors like Circle Ventures and Stellar Development Foundation. A 2024 merger with Arf expanded its cross-border payments and real-world asset tokenization capabilities.
As of August 2025, HUMA trades around $0.0366 (≈ LKR 10.91) with a market cap of ~$65.8 million. The token’s all-time high was $0.06927 in May 2025. Huma aims to drive global adoption of blockchain-based payment financing through transparency, efficiency, and integration with institutional payment networks.
