#Humafianace Huma Finance Core Features**
1. **Instant Cross-Border Payments**
- Achieve near-instant transfers using stablecoins (such as USDC), reducing settlement time from several days in traditional SWIFT systems to seconds.
- Transaction fees as low as **0.08%-0.1%** (traditional systems charge 1%-3%).
2. **High-Yield DeFi Opportunities**
- Provide liquidity providers with **15%-24% annual returns**, with underlying assets such as accounts receivable and other real-world assets (RWA).
- Currently zero default record, with a cumulative transaction volume exceeding **$46.3 billion**.
3. **Multi-Chain Compatibility**
- Supports **Solana, Polygon, Celo, Scroll**, and plans to integrate **Stellar Soroban** to enhance interoperability.
4. **User-Friendly Ecosystem**
- Provides a simple interface for retail users and developer API/SDK toolkit.
- **Huma 2.0 Version** includes two deposit modes:
- **Classic Mode**: 10.5% annual return on USDC + Feathers reward tokens.
- **Fast Mode**: Give up USDC returns for up to 25 times the Feathers reward bonus.
5. **$HUMA Token Economy**
- **Total Supply**: 10 billion HUMA.
- **Initial Circulation**: 17.33% (1.73 billion).
- **Deflationary Mechanism**: 50% of protocol revenue is used to buy back and burn HUMA tokens.
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### **Strategic Partnerships and Funding Background**
- **Investment Institutions**: Galaxy Digital, Coinbase Ventures, Solana Labs, Circle (USDC issuer), Stellar Foundation.
- **Key Collaborations**:
- **Solana**: Leveraging its high-performance blockchain network.
- **Circle**: Deep integration of USDC payment channels.
- **Jupiter & Kamino**: Jointly launched $PST (Payment Strategy Token) liquidity pool.
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### **Competitive Advantages**
- **Pioneer in PayFi Sector**: Focused on bridging traditional finance and DeFi through RWA.
- **Compliance Progress**: Advancing compliance in the U.S. market, having passed security audits by Halborn and Certora.
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### **Future Plans**
- **Q3 2025**: Deepen integration within the Solana ecosystem, launch $HUMA governance features.
- **Q4 2025**: Launch real-time card settlement services, sign contracts with traditional financial institutions.
- **2026**: Expand foreign exchange settlement business, acquire key financial licenses.
Huma Finance is committed to becoming a leader in the **Payment Finance (PayFi)** sector, merging payment efficiency with DeFi returns.@Huma Finance 🟣
