@Huma Finance 🟣 #HumaFinnance Huma Token (HUMA) is the native utility token of the Huma Finance ecosystem. This project is a blockchain-based payment financing (PayFi) network aimed at accelerating cross-border payments and card-based settlements through instant liquidity. Here are its core details:
I. Project Positioning and Core Functions
Huma Finance is the world's first PayFi network, addressing the delays, high costs, and lack of transparency in traditional payment systems through the integration of blockchain technology and stablecoins (such as USDC, PYUSD). Its core functionalities include:
1. Instant Payments: Supports second-level cross-border payments, merchant settlements, and trade financing, with fees only a fraction of traditional systems.
2. Income-Based Financing: Uses future income streams and real-world assets (RWA) as collateral to provide credit for businesses and individuals without requiring high-value crypto asset collateral.
3. Structured Financial Instruments: Features such as installment payments, insurance, and daily boundary yield calculations attract institutional investors.
II. Basic Token Information
- Token Name: Huma Finance (HUMA)
- Total Supply: 10 billion tokens
- Initial Circulation: 1.733 billion tokens (17.33% of total supply)
- Issuing Chain: Based on the Solana blockchain, supporting multi-chain expansion (e.g., Polygon, Celo, Scroll)
- Main Uses:
- Governance: Holders can stake tokens to participate in protocol governance voting.
- Liquidity Incentives: As LP rewards and ecosystem incentives to encourage user participation.
- Ecosystem Currency: Used to pay for premium protocol feature fees, such as credit limit applications and accounts receivable management.
- Revenue Sharing: Protocol income is proportionally distributed to stakers.
III. Market Performance and Dynamics
- Price and Market Cap: As of July 2025, HUMA's price is approximately $0.032, with a circulating market cap of around $53.8 million, and a historical high of $0.073 (May 2025).
- Exchange Listings: Already listed on 22 exchanges including Binance, OKX, MEXC, and Gate, with major trading pairs including USDT, USDC, and BNB.
- Trading Volume and User Growth: In May 2025, the number of holding addresses surged by 200%, with total trading volume exceeding $4.5 billion, active liquidity exceeding $100 million, and user wallets exceeding 500,000.
- Partners: Collaborated with Visa, Circle, Solana, Stargate cross-chain system, etc., to deepen the application of payment scenarios.
IV. Technical and Ecological Advantages
1. Multi-Chain Architecture: Integrates Solana's high throughput (thousands of transactions per second) and low costs (approximately $0.00025 per transaction), combined with the interoperability of Polygon and Celo to support high-frequency trading.
2. Zero Default Record: As of May 2025, the platform has issued loans of $1.19 billion, repaid $1.17 billion, with a default rate of 0%.
3. Compliance and Security: Employs MPC (Multi-Party Computation) custody, smart contract audits, adheres to regulatory frameworks like VQF, focusing on institutional collaborations to mitigate compliance risks.
4. Revenue Model: Provides liquidity providers (LPs) with an annualized return of 10.5%-24%, attracting investors seeking stable returns.
V. Development Milestones and Future Plans
- Recent Developments:
- Launched on Binance Launchpool in May 2025, initiating airdrop and staking mining activities.
- Voted through collaboration with Jupiter DAO to launch HUMA token presale.
- Launched Huma 2.0 version, supporting tokenization of real-world assets and structured financing.
- Future Goals:
- Expanding to chains like Stellar Soroban, introducing AI-driven payment analytics tools.
- Optimizing cross-chain payment efficiency, with plans to launch new features in Q3 2025.
- Deepening collaboration with Scroll on zero-knowledge proof technology to expand the EVM ecosystem.
VI. Investment Risks and Considerations
1. Market Volatility: HUMA's price is significantly influenced by the overall sentiment of the cryptocurrency market, having dropped to $0.029 in June 2025.
2. Competitive Pressure: Increasing competition in the PayFi space necessitates continuous innovation to maintain an advantage.
3. Regulatory Risks: Global cryptocurrency regulatory policies are still unclear, which may affect business expansion.
4. Team Dependency: Project development highly relies on the execution capabilities of the core team (founders with backgrounds from Google, Facebook).
VII. Summary
The Huma Token demonstrates unique value in scenarios such as cross-border settlement and supply chain financing by connecting traditional finance with decentralized payments. Its zero default record, high-yield model, and multi-chain compatibility attract both institutional and retail investors, although market volatility and regulatory changes should be monitored. For investors looking to participate in the PayFi space, HUMA is a project worthy of long-term observation, particularly regarding its collaboration with traditional financial institutions and technological implementation.