In an era where traditional finance faces challenges of liquidity and trust, Huma Finance emerges as an innovative solution, bridging modern finance with blockchain technology. Focused on income-backed lending and payment finance (PayFi), Huma Finance offers a strategic vision, backed by $38 million from top-tier investors and the distinction of being the first project listed on Binance Alpha and Binance Launchpool
1. What is Huma Finance?
Huma Finance is a pioneering decentralized finance (DeFi) protocol focused on income-backed lending and payment financing solutions. It enables individuals and businesses to access capital based on their future income by connecting them with global investors via blockchain. By tokenizing real-world assets (RWAs), Huma Finance delivers instant liquidity, transparent transactions, and seamless cross-border financial operations, dismantling the barriers between traditional finance and modern technology.
2. Highlights
First project on Binance Alpha and Binance Launchpool: Offering early access to users.
Focus on PayFi: Redefining the payment finance sector.
Impressive funding: Raised $38 million from renowned investors like Distributed Global and Hashkey Capital.
Income-backed lending: Unlocking borrowing opportunities based on future financial potential.
RWA tokenization: Enhancing liquidity and transparency for real-world assets on the blockchain.
3. Products
Huma Finance offers innovative decentralized financial services:
Revolving Credit Line: Borrowers receive a flexible credit limit for on-demand use.
Receivable Factoring: Businesses can sell their receivables for immediate cash, addressing liquidity needs.
The protocol operates through smart contracts, ensuring security and automation. A tranche system allows investors to choose between senior and junior tranches, balancing risk and reward.
4. Funding
Huma Finance raised $38 million in an equity round led by Distributed Global, with participation from Hashkey Capital, Folius Ventures, Stellar Development Foundation, and TIBAS Ventures (İşbank's venture arm).
5. Investors
Key backers include:
Distributed Global
Hashkey Capital
Folius Ventures
Stellar Development Foundation
TIBAS Ventures
This support from reputable institutions underscores the project's long-term potential.
6. Tokenomics
The HUMA token has a total supply of 10 billion, allocated as follows:
31% for liquidity and ecosystem development
20.6% for investors
19.3% for the team and advisors
11.1% for the protocol treasury
Team and investor tokens are locked for the first 12 months, then gradually unlocked over 3 years. Liquidity rewards decrease by 7% quarterly, adjustable via governance.
7. Binance Launchpool
Huma Finance is the 70th project on Binance Launchpool and the first on Binance Alpha. Scheduled for listing on May 26, 2025, with trading pairs: HUMA/USDT, HUMA/USDC, HUMA/BNB, HUMA/FDUSD, HUMA/TRY. Users can stake BNB, FDUSD, or USDC to earn HUMA, with an airdrop opportunity via Alpha Points.
Explore now https://www.binance.com/en/square/post/24589541617210
8. Token Unlock Schedule
At TGE, 17.33% of the total supply is unlocked. Team and investor tokens are locked for 12 months, then vested over 3 years
9. Roadmap
Huma Finance is actively developing, with significant updates expected. Follow the whitepaper or official channels for the latest information.
Huma Finance is more than a DeFi project—it is a revolution, where traditional finance is reborn on the blockchain with unprecedented transparency, efficiency, and accessibility. Backed by top investors and pioneering on Binance Alpha and Launchpool, Huma Finance is laying the foundation for a promising global financial future.
This article is for informational purposes only. The information provided is not investment advice
