👉 Project Introduction
Huma is the first PayFi network and a pioneer in the rapidly developing PayFi ecosystem. It enables global payment institutions to use stablecoins and on-chain liquidity for round-the-clock payment settlements, bringing speed, transparency, and efficiency to traditional slow financial infrastructures. With support from strategic partners such as Solana, Circle, Stellar Development Foundation (SDF), and Galaxy Digital, Huma has processed over $3.8 billion in transaction volume, delivering double-digit real returns to its LP.
humafinance is the first PayFi network and a pioneer in the rapidly growing PayFi ecosystem. It is led by Distributed Global and Race Capital, with notable institutions such as Robot Ventures and Hashkey Capital involved.
Financing: $46.3 million
👉 Core Team
- Co-founder Erbil Karaman: Former core developer of Facebook Libra, advisor to the Solana Foundation, led the architectural design of the PayFi protocol.
- CEO Richard Liu: Former head of cross-border payment business at Goldman Sachs, with 15 years of fintech experience, led the acquisition of Arf Financial to complete compliance upgrades.
- CTO Sophia Müller: Former quantitative risk control expert at Deutsche Bank, designed layered capital pools and dynamic interest rate models.
👉 Token Economics
Total Supply: 10 billion tokens
The initial circulating supply is only 17.33%, with the remaining tokens set to be steadily unlocked through 12 months of lock-up plus 3 years of linear release.
Token Distribution:
• Initial Airdrop: 5% (reward for early users)
• Second Round Airdrop: 3% (released three months later to encourage long-term holding)
• LP and Ecosystem Incentives: 31% (supporting liquidity, distributed by community governance)
• Investors: 20.6% (multiple rounds of financing)
• Team and Advisors: 19.3% (long-term locked)
• Market Promotion and CEX Liquidity: 11%
👉 HUMA Token Unlock Mechanism
The design of HUMA tokens aims to support long-term development and community engagement, with a steady and gradually decreasing overall release rhythm, focusing on the following:
Core Unlock Rules:
• Team and Investors:
◦ Locked for 12 months, followed by three years of linear release to ensure long-term stability and reduce early selling pressure.
• Ecosystem and LP Incentives (31%):
◦ A quarterly decreasing release mechanism is adopted, with rapid initial releases and decreasing amounts in later stages, reducing the release amount by 7% each quarter.
◦ The second round airdrop (accounting for 2.1% of the total) will take place about 3 months after TGE.
◦ All release rhythms will be dynamically adjusted according to governance agreements to ensure alignment with market and ecosystem development.
• Protocol Treasury (11.1%):
◦ TGE unlocks 1%, with the remaining 8 quarters released linearly, as a reserve support for the future development of the project.
This structure emphasizes long-term participation and community-driven governance, effectively balancing short-term incentives with long-term value.
From the unlocking graph, the tokens are mainly concentrated in centralized exchanges and marketing purposes during the early TGE stage, with limited actual chips available for the project party, thus the market will mainly be dominated by the circulating supply from CEX.
👉 HUMA Current Opportunities:
• Three major paths to substantial rewards: official staking, Jupiter private placement, and ongoing airdrops!
• Exclusive benefits for Kaito users: 0.5% airdrop quota, 500 slots, distributed in the third quarter, early ranking for early lock tickets!
HUMA tokens are not yet publicly traded and are still in the early positioning window. With support from Binance and the launch of the Alpha platform, Huma Finance may become the next hot spot. Capturing the staking and airdrop window may be the key timing for a low-cost entry.
Investors are reminded that TGE projects are highly volatile and carry significant risks; please operate cautiously to avoid asset loss.
