Huma Finance (HUMA) is a cutting-edge decentralized protocol focused on real-world asset (RWA) financing, aiming to make credit and lending accessible for everyoneāespecially in underbanked areas. Built on the blockchain, Huma enables lending platforms to offer loans backed by off-chain income and assets like invoices, payrolls, or subscriptions.
š” Key Features of Huma Finance
Real-World Utility: Huma connects traditional financial tools with DeFi by using real-world income as collateral, not just on-chain assets.
Multi-chain Support: Supports Ethereum and other networks to allow scalable and fast transactions.
Decentralized Credit Protocol: Enables lenders to create custom financial products while giving borrowers fair access to credit based on their real income data.
Privacy & Transparency: Uses zero-knowledge proofs and on-chain smart contracts to protect data privacy and ensure full transparency in lending processes.
š HUMA Token Utility
The HUMA token is a governance and utility token within the ecosystem. Itās used for:
Staking & Rewards
Governance voting
Platform fees & incentives
š Real-World Impact
Huma Finance empowers:
Small businesses to get loans using invoices or cash flows.
Gig workers to access credit based on future earnings.
Developers to build lending apps powered by real-world income data.
š”ļø Backed by Strong Partners
Huma Finance is supported by major investors like Circle Ventures, Stratos, ParaFi, and Race Capital, showing growing confidence in its long-term value.
š Why Add HUMA to Your Binance Portfolio?
š Innovative RWA concept
š High growth potential
š Secure & transparent protocol
š¤ Backed by trusted institutions
š° Strong token utility and community-driven governance
š Final Thoughts
HUMA is not just a tokenāit's a mission to build a new, fairer financial future. If you believe in connecting DeFi to the real world and providing access to capital for all, HUMA is worth watching
See my returns and portfolio breakdown. now can someone help me šš$FUN
Regulation & Strategy Developments
GENIUS Act signed July 18: the first U.S. federal stablecoin regulation, requiring 1:1 backing and dual oversight. Market participants view it as a catalyst for BTC, ETH, and SOL-some seeing ETH up ~53% in July
Crypto hedge funds gaining momentum: ex-Jefferies trader Tian Zeng is launching Third Eye, a $70 M crypto hedge fund beginning August 1, signaling rising institutional interest
In 2024, crypto scam losses ranged from $4.6 billion to as high as $14.5 billion-showing growth of 23-24% compared to 2023. Chainalysis projects even more in 2025 (possibly over $12 billion), and the first half of 2025 alone has already seen over $2.17 billion in reported losses
Highly publicized breaches
A major driver of the surge was the ByBit cold-wallet hack (~$1.46 billion stolen), alongside other high-profile exploits like the CoinDCX breach in India
Emerging deepfake & Al scams
Fraudsters are leveraging Al-especially deepfake videos-to impersonate crypto leaders. Reports indicate 245% growth in deepfake frauds in 2024, with regulators warning these tactics are rapidly evolving
Fake giveaway schemes
Scammers impersonate crypto brands or executives (e.g., Ripple's Garlinghouse) with fake "token giveawā on platforms like YouTube
Ethereum outpaced Bitcoin in spot trading volume last week: ETH reached $25.7 billion, compared to BTC's $24.4 billion-a 7-month high in the ETH/BTC volume ratio . This likely signals capital moving into Ethereum and altcoins.
Overall crypto markets down: total market cap dipped under $4 trillion. Bitcoin and Ether both traded lower, with BTC hovering around $118 k and ETH near $3.57 k
Bitcoin recap: briefly dipped under $118 k, though one report shows a modest ~0.16% drop amid ETF outflows Ainvest
*Altcoin & Meme-Coin Highlights
Altcoin momentum cooled while traders flattened bullish positions ahead of potential catalysts.
Bitcoin just hit a new all-time high and then pulled back
All-time highs achieved: Bitcoin recently surged to around $123,000 before retreating to about $118K after a sideways move in the U.S. markets
Barron's +15 The Economic Times +8
Institutional tailwinds: A "crypto week" in
Washington-marked by the Genius Act and other bills like the Clarity Act-has sparked significant inflows, pushing total market cap to over $4 trillion.