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Huma Finance

Category: Decentralized finance (DeFI), RWA

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Overview

Total XP Rewards

60

Estimated Rewards

$10M

Funding

$46.3M

Current Stage

Season 1

Total value locked

-

Unique Users

13000

Chains

chain image

Phase

Mainnet

Structure

Feathers based

Gas

Yes

Grade

A

Tasks

0/3

TGE

-

Type

DeFI

Confirmed

Yes

Date

18 days ago

Introduction

  • Huma Finance is building the first on-chain PayFi network that brings real-world payment flows like payroll, lending, and invoicing to DeFi. 
  • It enables instant liquidity and stablecoin settlements, helping businesses access working capital without relying on traditional banks.

Tasks

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Fundamentals

  • Permissionless Real Yield Layer: Earn stable USDC yield from real-world financing, not inflationary rewards or token farming.
  • Classic & Maxi Investment Modes: Choose stable yield or boost reward earnings via Feathers point system.
  • Real-World Financing Vaults: Finance payrolls, invoices, and remittances through transparent on-chain strategies.
  • Hybrid On/Off-Chain Risk Model: On-chain execution with off-chain underwriting, repayments, and credit scoring.
  • First-Mover in PayFi: Pioneering the "Payment Financing" category, unlocking on-chain credit for global businesses.
    Composable $PST Tokens – Yield-bearing LP tokens, fully composable across Solana DeFi apps and protocols.
  • Liquid Vault Exit Option: Users can exit strategies instantly by selling $PST tokens on Solana DEXs.

Potential Rewards

  • Huma Finance is pioneering PayFi, a new on-chain payment model that lets businesses either delay payments or get instant liquidity using stablecoins.
  • It eliminates the inefficiencies of traditional finance by enabling 24/7 settlements, powering real-time cross-border payments, trade finance, and more.
  • With over $3.8B in transactions processed Huma is scaling fast across major sectors.
  • Users earn Huma Feathers, a new loyalty and rewards system, through deposits, lockups, and referrals—these may convert into tokens or unlock the upcoming Huma Finance Airdrop.
  • The platform offers two LP tokens: $PST for Classic mode (10.5% APY + rewards) and $mPST for Maxi mode (no yield, max rewards), with optional lockups boosting points.
  • Huma live on Solana with backing from the Solana Foundation, Huma integrates with top DeFi apps like Jupiter, Kamino, and RateX. 

Investors

  • HashKey Capital
  • Circle
  • ParaFi Capital
  • Robot Ventures

Audit

  • Halborn

Non-Financial Advice

  • Research:  Explore project's documentation, audits, and community.
  • Understand risks:  DeFi has vulnerabilities, market volatility, and token fluctuation.
  • Invest wisely:  Only invest what you can afford to lose.
  • Beware of scams:  Don't trust unsolicited outreach or guaranteed returns.

*ANZALI only provides suggestions and not financial advice. Use all of the information above at your own risk.

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