Huma Finance (HUMA): Revolutionizing Payments with PayFi
What is Huma Finance (HUMA)?
Huma Finance (HUMA) is the first PayFi (Payment Finance) network, designed to enable global payment institutions to settle payments 24/7 using stablecoins and on-chain liquidity. This approach brings speed, transparency, and efficiency to traditionally slow financial infrastructure. Since its inception, Huma has processed over $3.8 billion in transaction volume and delivered double-digit real-world yields to its liquidity providers.
The name PayFi combines "payment" and "finance" to describe a new way of moving money. Unlike traditional banks or payment systems, which often take days to settle transactions, Huma uses blockchain technology and stablecoins to settle payments instantly, any time of day or night.
At its core, Huma aims to fix a big problem: global finance is slow, fragmented, and costly. Merchants might wait days to receive payments, suppliers often face long payment terms, and people sending money across borders lose a lot to fees and delays. Huma’s goal is to change this by making money flow as fast as information does in today’s digital world.
Who Created Huma Finance (HUMA)?
Huma Finance was co-founded by Erbil Karaman and Richard Liu, both of whom bring extensive experience in technology and finance.
● Erbil Karaman: Prior to Huma, Karaman held leadership roles in various tech companies, focusing on product development and innovation.
● Richard Liu: Liu's background includes serving as the Head of Engineering at Google for multiple 0-1 products, including Google Fi, Google Trusted Store, and Google Commerce Search. He also co-founded Leap.ai, which was acquired by Facebook, and was the Chief Technology Officer at Earnin, a financial platform that allowed millions of Americans to access wages before payday.
What VCs Back Huma Finance (HUMA)?
Huma Finance has garnered support from several prominent investors and strategic partners such as Distributed Global, Hashkey Capital, Folius Ventures, Stellar Development Foundation (SDF), TIBAS Ventures, Circle Ventures, etc.
How Huma Finance (HUMA) Works
Huma Finance operates on a three-layer blockchain protocol:
1. Transaction Layer: Built on Solana’s high-performance network for instant settlement.
2. Currency Layer: Integrates stablecoins such as USDC to reduce foreign exchange volatility risk.
3. Financing Layer: Businesses can obtain immediate liquidity from decentralized capital pools using on-chain credit credentials (e.g., accounts receivable).
This model compresses the roles of banks, payment institutions, and factoring companies into a single automated protocol. For instance, an SME exporter can stake USDC in Huma’s liquidity pool and immediately draw 80% of its receivables for working capital. Liquidity providers earn an annualized yield of 10.5% through lending.
Huma Finance's platform is designed to be flexible and user-friendly. Users can choose between different modes to match their investment strategies:
● Classic Mode: Provides stable, double-digit real yield (currently 10.5% USDC APY, updated monthly) combined with baseline Huma Feathers.
● 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.
Additionally, liquidity providers can opt for lock-up periods of 3 or 6 months to significantly increase their Feather reward multipliers. These lock-ups ensure predictable liquidity management for Huma and stable returns for users.
The yield generated through Huma's PayFi network originates from real-world payment financing activities such as global settlement, card payments, and trade finance. Businesses pay a daily fee to borrow capital (typically 1–5 days), allowing capital recycling up to 100 times per year. This rapid turnover creates a compounding effect that drives strong, recurring yields for liquidity providers.
HUMA Goes Live on Bitget
Huma Finance offers a groundbreaking solution to modernize global payments by combining blockchain speed, real-world asset financing, and accessible credit. Its innovative PayFi network provides transparent, efficient, and high-yield opportunities for liquidity providers, while the HUMA token empowers holders with governance rights and rewards within the ecosystem.
For those looking to be part of this financial revolution, trading the HUMA token on Bitget is a smart way to engage with the future of decentralized finance and benefit from its growing utility.
How to Trade HUMA on Bitget
Listing time: May 26, 2025
Step 1: Go to HUMAUSDT spot trading page
Step 2: Enter the amount and the type of order, then click Buy/Sell
Trade HUMA on Bitget now!
Disclaimer: The opinions expressed in this article are for informational purposes only. This article does not constitute an endorsement of any of the products and services discussed or investment, financial, or trading advice. Qualified professionals should be consulted prior to making financial decisions.
