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Huma Finance

Huma Finance is a PayFi network powers financing of global payments, with instant access to liquidity anywhere, anytime.

What is Huma Finance?

Huma Finance is the first PayFi network, a decentralized protocol that enables users to borrow based on future income streams, such as salaries, invoices, or remittances, rather than traditional crypto collateral. By tokenizing real-world cash flows into on-chain collateral, Huma aims to make lending more accessible to individuals and businesses without substantial crypto holdings. The project was co-founded by Erbil Karaman and Richard Liu to address inefficiencies in traditional finance and create infrastructure for programmable, always-on payments. (bitget.com)

How Does Huma Finance Work?

Huma Finance operates through its PayFi Stack, a six-layer architecture supporting end-to-end payment financing: 1. **Transaction Layer**: Utilizes Solana and Stellar blockchains for fast, low-cost payments. 2. **Currency Layer**: Employs stablecoins and yield-bearing tokens for compliant transfers. 3. **Custody Layer**: Ensures secure asset handling with multi-party computation (MPC) and smart contracts. 4. **Compliance Layer**: Implements on-chain identity for global regulatory alignment. 5. **Financing Layer**: Facilitates tokenized receivables and risk-managed lending. 6. **Application Layer**: Provides tools and APIs for building user-facing DeFi applications. This structure allows Huma to offer programmable payments, receivables-backed credit, and automated underwriting through smart contracts. (phemex.com)

What Makes Huma Finance Unique?

Huma Finance distinguishes itself by focusing on real-world applications and integrating traditional finance mechanisms with decentralized finance (DeFi). Key features include: - **Receivables-Backed Credit**: Enables borrowing against future income streams, expanding access to credit. - **Programmable Payments**: Supports automated, on-chain payment settlements. - **Dual Platform Offering**: Provides Huma 2.0 for retail users and Huma Institutional for accredited investors and payment institutions. These features aim to bridge the gap between traditional finance and DeFi, offering innovative solutions for payment financing. (bitget.com)

Who Are the Founders of Huma Finance?

Huma Finance was co-founded by Erbil Karaman and Richard Liu. Karaman has a background in product leadership roles at companies like Facebook, Lyft, and Earnin. Liu brings experience in engineering and venture capital. The founding team also includes Ji Peng and Lei Du, who have expertise from Silicon Valley and were part of the ETHDenver 2022 hackathon win that contributed to Huma's inception. (coindesk.com)

Latest News

What Key Events Have There Been for Huma Finance?

Huma Finance has achieved several significant milestones: - **May 26, 2025**: HUMA token listed on major exchanges, including Binance, OKX, and Bitget. (bitget.com) - **May 22, 2025**: Launch of Season 1 airdrop, distributing 5% of the total HUMA supply to early supporters. (beincrypto.com) - **June 4, 2025**: Joined the Global Dollar Network to promote stablecoin adoption and expand programmable payment utility across the Solana ecosystem. (messari.io) - **June 19, 2025**: Listed on major South Korean exchanges Upbit and Bithumb, enhancing liquidity and international visibility. (messari.io)

Project Announcements

Recent updates include the launch of Huma 2.0, offering permissionless, composable yield-generating strategies on Solana, and integrations with payment platforms for cross-border use cases. (phemex.com)

Upcoming Events

Latest Airdrop

Season 2 airdrop planned approximately three months after the Token Generation Event (TGE), allocating 2.1% of the total HUMA supply to eligible participants. (beincrypto.com)

TGE Time

May 26, 2025, at 12:00 (UTC+3). (icodrops.com)

Projects Announcements

Where to Buy Huma Finance?

HUMA tokens can be traded on several centralized crypto exchanges. The most popular exchange to buy and trade Huma Finance is Binance, where the most active trading pair HUMA/USDT has a trading volume of $4,027,241.84 in the last 24 hours. Other popular options include Bitget and OKX. (coingecko.com)

Huma Finance Price

Daily Trading Volume

Approximately $24.56 million in the last 24 hours, representing a -43.30% decrease from one day ago. (coingecko.com)

All-Time High

$0.1156 on May 26, 2025, approximately 70% higher than the current price. (coingecko.com)

All-Time Low

$0.02953 on June 26, 2025, approximately 17.3% lower than the current price. (coingecko.com)

Market Cap and Valuation

Market Cap

Approximately $56.92 million, ranking #469 among cryptocurrencies. (coinmarketcap.com)

Fully Diluted Valuation

Approximately $328.39 million, considering the total supply of 10 billion HUMA tokens. (coinmarketcap.com)

Huma Finance Price Prediction

While specific price predictions are speculative, factors influencing HUMA's price include market sentiment, adoption rates, and developments within the Huma Finance ecosystem. As of now, there are no available forecasts from reliable experts or publications.

FAQ

What is the Purpose of Huma Finance?

How Can I Participate in Huma Finance's Ecosystem?

What Sets Huma Finance Apart from Competitors?

Is Huma Finance Secure?

What are the Risks Associated with Huma Finance?

Community Sentiment

25.01K Votes

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Disclaimer and Risk Warning: Some content on this page may be assisted or generated by AI and is for general reference only. For the most accurate and updated information, please refer to the official website of the project. Bitget Wallet values every partnership. If you notice any issues or inaccuracies, feel free to reach out to us at [email protected] — we appreciate your feedback and will make improvements where needed.