Huma Finance
@Huma Finance 🟣 A decentralized finance (DeFi) protocol positioned as the world’s first PayFi (payment finance) network open to everyone, aiming to address payment settlement delays, high costs, and unequal profit distribution issues in traditional finance through blockchain technology.

It provides instant liquidity and 24/7 payment settlement services for global businesses and individuals by tokenizing real-world receivables (such as invoices and trade payables).

Enterprises can put accounts receivable such as invoices, payrolls, or trade payables on-chain in exchange for instant liquidity stablecoins (like USDC or USDT). Huma provides real-time, 24/7 global payment settlement, addressing the delays of 2-5 days or even 60-90 days in traditional finance for cross-border payments and vendor payments.

Currently primarily operating on the Solana blockchain, also supporting Binance Smart Chain (BEP-20) for efficient and low-cost transactions.

Core Functions and Applications


@Huma Finance 🟣 The Dapp provides the following core functionalities, divided into different entry points for retail users and institutional investors.

Huma (Permissionless Mode):

Targeted at ordinary users, anyone with a Solana wallet can access it through app.huma.finance. Users can participate in liquidity pools, provide stablecoins (such as USDC), and earn approximately 10% annualized percentage yield (APY) along with $HUMA token rewards. Options such as 'Classic Pool' and 'Maxi Pool' are provided, with Maxi Pool offering higher rewards (such as 19x Feathers points).

Huma 2.0 (Permissioned Model):

Designed for accredited investors and enterprises, requiring KYC (identity verification) to join. Offers a tiered structure (senior and junior tranches) to balance risk and reward, with the liquidity pool backed by tokenized invoices from well-known companies, resulting in more predictable returns. Users can obtain liquidity tokens (PST or mPST) after depositing stablecoins, which can be traded on decentralized exchanges on Solana (such as Jupiter).

Instant Liquidity:

Enterprises can immediately obtain stablecoins (after a small fee) through on-chain invoices without waiting for the lengthy settlement cycles of traditional finance. Liquidity providers (LPs) earn stable returns and $HUMA token rewards by depositing stablecoins into the Huma liquidity pool.

Points System (Feathers): Users can earn Feathers points by participating in Huma’s liquidity pool or completing tasks, which can be used for future $HUMA token airdrops or other rewards.

$HUMA Token Function: $HUMA is the native utility and governance token of the Huma Finance ecosystem, with a total supply of 10 billion tokens.

Uses include: holders can participate in ecosystem decision-making, reward liquidity providers and ecosystem participants, and drive community-driven development and collaboration.

$HUMA tokens can be traded on centralized exchanges such as Binance and Bybit, with a 24-hour trading volume of approximately $48.5 million (as of June 2025). Market Performance: Current market capitalization is approximately $61.73 million, ranked 506 (CoinMarketCap data), with a price of about $0.0356, down 69.1% from its historical peak.

Advantages and Features
@Huma Finance 🟣 Addresses pain points in traditional finance, such as cross-border payment delays, long vendor payment terms, and high remittance fees, achieving almost instant settlement through blockchain.

Generates stable double-digit annualized returns through short-term, receivable-backed payment cycles, rather than relying on high-risk crypto strategies. Serves global payment institutions, supporting cross-border payments, credit cards, trade finance scenarios, and even expanding to decentralized physical infrastructure network (DePiN) financing. Utilizes institutional-grade audits, multi-signature controls, and risk mitigation smart contract design to ensure the safety of funds.

Partners: Collaborating with industry leaders such as Circle, Solana, Stellar Foundation, and Galaxy Digital, having processed over $3.8 billion in transaction volume.

Summary


@Huma Finance 🟣 An innovative PayFi protocol that provides instant payment and liquidity financial infrastructure for global users and enterprises by tokenizing real-world receivables, combined with the transparency and efficiency of blockchain. Its Dapp offers an easy-to-use interface that supports participation from retail and institutional users, showcasing strong market potential with the combination of $HUMA token incentives and a sustainable yield model. Despite facing regulatory and market volatility risks, Huma's unique positioning and industry endorsements make it a leader in the integration of DeFi and traditional finance.#HumaFinance #HumaFinanceReal #HumaFinancePayFi