How does Huma Finance actually work? Simply put, it's about 'making payments generate interest, allowing everyone to participate.'

The core of Huma is 'turning on-chain payments into a profit-generating tool' — it invests money into various PayFi applications (such as platforms that assist businesses with cross-border payments). These platforms earn money through transaction fees generated when businesses transfer funds using the Solana high-speed blockchain, and then distribute the profits to Huma's users (who provide the funds, known as LPs).

Previously (when Huma first launched on Solana in 2024), it was only open to institutions — you had to be a professional investor and go through KYC (Know Your Customer) and KYB (Know Your Business), which set a high barrier!

But starting from April 2025, Huma upgraded directly to a 'no-barrier version' (Huma 2.0), allowing ordinary people to bypass professional identities and certifications to jump in and start earning!