Today marks a pivotal moment for Huma and the DeFi ecosystem as we launch Huma 2.0, our permissionless, compliant, and composable yield platform built on Solana. With Huma 2.0, we're opening access to stable, double-digit yield generated by real payment financing activities. The opportunities previously reserved for institutions are now available to everyone—and it's about  time.

By making our product permissionless, we’ve now made real yield accessible to everyone, allowing anyone, anywhere to earn from the flow of real-life commerce.   
We've designed Huma 2.0 with flexibility and choice at its core, rolling out a set of features that let users choose how they want to earn. Here’s a breakdown of what’s inside:

Choose the path that suits your goals:

Classic mode: Provides stable, double-digit real yield (currently 10.5% USDC APY, updated monthly) combined with baseline Huma Feathers. Think steady, predictable, sustainable.

Maxi mode: Built for Huma maxis. Skip the USDC yield (0% APY) to maximize Huma Feathers, earning up to 25x the feathers during the limited-time launch promotion. Go big, go all-in.

Flexibility: LPs can switch the mode of their existing positions anytime, at no extra charge beyond gas fees.

Optional Lock-ups for more rewards: While not required, locking your deposit for 3 or 6 months significantly increases your Feather reward multipliers. The longer the commitment, the bigger the multiplier. During the lock-up period, users generally cannot withdraw their funds without forfeiting some accrued rewards, thus ensuring predictable liquidity management for Huma and stable returns for users.
$PST: Liquid & composable LP token: Depositing in Classic mode gets you the liquid LP token $PST (PayFi Strategy Token). It represents your share, is yield-bearing, and is built for DeFi composability, plugging right into the Solana ecosystem.