what's huma finance?
Huma Finance is a decentralized finance (DeFi) protocol specializing in PayFi, which enables the financing of global payments through blockchain technology. Built primarily on the Solana blockchain, it provides instant liquidity access for payment flows, bridging traditional finance with crypto by tokenizing real-world payment receivables. The protocol facilitates income-backed lending, allowing users to earn stable yields from diversified, real-world revenue streams such as cross-border payments and trade finance, democratizing access to high-quality yield opportunities previously reserved for institutions. At its core, Huma Finance operates through permissionless pools where depositors provide liquidity in stablecoins like USDC to fund short-term, invoice-based loans. These loans are secured by future payment inflows from reputable enterprises, ensuring low-risk, predictable returns. The system's Huma 2.0 upgrade introduces features like Huma Feathers for yield multipliers, automated vaults for optimized strategies, and a PayFi Reserve for risk mitigation, all while maintaining full liquidity for principal stable tokens (PST) and maturity tokens (mPST). This architecture supports scalable, on-chain credit without intermediaries, fostering efficiency in global remittances and B2B payments. Huma's native token, HUMA, plays a key role in governance, staking for enhanced yields, and protocol incentives, aligning participants in a decentralized ecosystem. By integrating with networks like Circle's Payments Network and Solana's DePIN projects, Huma advances real-world asset (RWA) tokenization, making PayFi a foundational layer for seamless, borderless financial services.
contract
solana
binance-smart-chain
Reached 266.6M staked HUMA tokens in Q3 2025, up 46.4% quarter-over-quarter
Scheduled January ecosystem call on 2026-01-12
launched a new leveraged vault called 'Huma Prime' on January 5, 2026, which reached full capacity within three hours
Second claim is live for token holders or participants.
Partners with Obligate and Tradeflow to provide Solana-based stablecoin liquidity for global rare earth mineral trades.
Partners with Obligate to expand access to trade finance liquidity.
Crosses $8B+ in total transaction volume and launches limited-time yield campaign offering 14-20% APY with no lockup, ending once deposits reach $20M.
Partners with Tala to launch a scalable tokenized lending platform on Solana.
Scheduled to speak at Solana Breakpoint conference in Abu Dhabi on December 13 at 12:35pm, presenting on RWA yield in the tokenization track.
UnifAI announces collaboration with Huma alongside several other AI projects including Kite, Sentient, Brevis, and Undefined Labs.
Begins token buybacks using 20% of platform fees.
Opens Season 2 airdrop claims.
Upbit exchange suspends all deposits and withdrawals after ~$36.8M hack on Nov 27, 2025, with HUMA listed among 23 affected Solana-network tokens.
Releases Season 2 airdrop checker with claim dates to be announced later.
Records $8B in PayFi transactions across 97K depositors and launches limited-time campaign with 14-20% APY, no lockup, ending after $20M deposited.
Partners with Soneium blockchain to release DEATHPIXIE's Red Rocks performance as the first onchain virtual DJ performance footage available for collection.
A crypto trader reviews PST negatively in a public comparison of Solana stablecoins, stating they would "not ever" touch it due to counterparty risk concerns and inability to see who the qualified borrowers are.
Season 2 of airdrops is ending.
Automated looping for PST will launch soon.
Binance Wallet adds HUMA as a newly integrated dApp, now live for users.
Huma backs or endorses UnifAI, an AI-native DeFi platform for agentic finance, alongside Kite, Sentient, Brevis, and Meteora.
The team hosts a live discussion about their Content Academy, a creator-focused program for producing content on Huma, stablecoins, and PayFi.
Today is the final deadline to stake 5000 $HUMA tokens for eligibility in the next reward season, with tokens required to be staked for one month.
Platform plans to launch a deposit campaign together with Kaito.
Visa features the cross-border PayFi network in its stablecoin lending report, recognized as one of the 6 biggest Solana news stories of the week.
Season 3 is now active with a $300 staking requirement (5000 $HUMA tokens), offering potential 20x rewards in $HUMA tokens for top 10 participants in the leaderboard.
Platform raised $38M in funding and is featured as a yieldfarming opportunity where users can deposit USDC for APY.
Users must stake 5000 $HUMA tokens for eligibility in an upcoming program. The platform has loopscale integrations and completed 2 airdrops historically.
Platform reports $6 billion in total volume processed across 74,000 depositors with zero credit defaults recorded.
Project Flywheel introduced with $HUMA token buybacks scheduled to start in Q4.
Integration with Katana vaults enables users to earn up to 40%+ real yield by depositing stablecoin credit unlocked from receivables.
Octave 2 launches as an instant translation voice model with a demo showcasing its real-time language translation capabilities.
Partnership with Arf announced to provide on-demand credit access for Circle Payments Network.
New yield farming opportunity via Binance Wallet provides up to 15.8% APR on USDC deposits.
HUMA's Token Generation Event has occurred and the project is reportedly performing very well post-TGE due to restrictive participation requirements including $300 worth of coins staked on Kaito-connected wallets, with users achieving significant airdrop allocations.
A major announcement is scheduled for October 1st.
A virtual artist performs live with deadmau5 at Red Rocks, marking a major mainstream collaboration.
Questions arise about potential liquidity removal from BSC while upcoming Plasma development is highlighted as a significant catalyst.
HUMA breaks out from consolidation range with bullish structure formation indicating potential upward momentum.
Zeus Network announces partnership enabling zBTC lending, USDC borrowing, and 10% APY on USDC deposits.
Huma Finance participates in industry discussion about onchain payments alongside Solayer Labs, Kite AI, and WalletConnect, moderated by Hedera Foundation.
Current yield farming opportunity available at 10% APY in LPs with zero interest, plus ability to farm third airdrop.
A buyback program has been recently launched or is planned to be implemented soon.
Claims system experiences technical issues with new wallet linking requirement, causing eligibility problems for users with staked tokens.
Season 1 airdrop distributes 12.5M tokens to users who staked 3K+ since August 1.
S1 Airdrop claim period begins in 12 hours with Kaito Yaps integration
$10M token unlock scheduled for August 26.
Jupiter presale tokens unlock begins with 200M user tokens; participants actively claiming and staking.
Large token unlock of 21% circulating supply approaching on August 26.
New Kaito AI integration enables staked HUMA holders to earn enhanced airdrop rewards through content creation and community engagement.
MeteoraAG DLMM integration introduces $25K bounty pool and MET points earning opportunity for token holders.
New liquidity mining program launches with $25K USDC rewards for HUMA/SOL and HUMA/USDC pools on Meteora DLMM, plus additional $MET rewards.
Token unlock event begins August 25, 7 AM CST for presale participants who are currently at 4X ROI.
Trading volume surpasses $5B with all-time high annualized revenue
New content creator academy launches with manual verification system to prevent AI farming, led by established community leaders.
New yield farming opportunity offers 25% APR through RateX PST PTs on Loopscale with 2-month expiration window.
PayFi assets surpass $100M milestone.
Deposits are now open following yesterday's Yapper rewards staking deadline.
Expands from character builder to full multimedia studio with AI image, video and music generation capabilities.
USDC deposits reach $75M with 12% APY non-interest-based yields for liquidity providers, marking significant TVL milestone.
Major partnership with Ripple ecosystem partner in development.
Season 2 airdrop requires minimum 3000 $HUMA tokens in Kaito-linked wallet for eligibility.
Multiple major partnerships pending announcement, including one with significant Ripple customer.
New partnership with Superstate enables USTB and USCC integration for RWA-based liquidity strategy on Solana.
Major Korean exchange Upbit lists token with BTC and USDT trading pairs.
Yapper rewards program launches August 1 with 3000 HUMA token staking requirement.
New leverage trading platform lists token with up to 150x available
Huma 2.0 opens for deposits on July 14.
LP pools reopen with 14% USDC APY, ahead of confirmed August S2 airdrop and upcoming Kaito yaps drop within 2 months.
LP participation combined with staking enables up to 25x feather multipliers, significantly higher than base 10x staking rewards, with Season 2 ending in 1-2 months.
Protocol reaches $5BN+ in B2B stablecoin volume with $4.3M+ generated in yield.
Major staking mechanism upgrade released, modifying core protocol functionality for HUMA token staking.
Market cap drops 70% to $57.3M in past 30-45 days despite high social engagement, indicating disconnect between mindshare and actual buying pressure.
New PST Pool launches offering 10% APY plus Huma Feathers rewards for USDC deposits
LP program offers 10% APY backed by real-world B2B profits
Staking program launches with boosted LP yields and upcoming Solana ecosystem airdrops.
New staking program offers 10x point multiplier for S2 airdrop with $100 minimum HUMA stake requirement.
New staking program launches for YAP boards with multiple yield opportunities including HUMA, feathers, and YAPs. Current rate: 5k HUMA = $88.
Brand similarity with Humanity Protocol creates potential reputation risk due to name confusion and similar protocol branding.
Binance Alpha and Futures listings confirmed for June 25.
Token lists on Bithumb exchange
Protocol offers 13% yield rate for token holders
Trading now available on Polynomial with 20x leverage, powered by Pyth Network price feeds.
Protocol reports 100mm current TAL with 4Bn lending volume, targeting 500mm TAL by 2026 with projected 20mm annual profit.
Achieves top trading volume performance following Binance spot listing conversion.
Protocol launches deposit functionality for users.
Token distribution reveals 75k tokens valued at $8,000 and 200k tokens valued at $6-7,000 being allocated through social engagement rewards.
Perpetual futures trading now available on Sharpe Perp DEX with 10x leverage
Futures trading now available on WOOFi Pro with up to 10x leverage for both Solana and EVM chains.
New partnership with Global Dollar launches to accelerate stablecoin adoption on Solana ecosystem.
Staking program launches with up to 21x multiplier system and 10-13% APY, plus Season 2 airdrop confirmed for coming months.
Staking metrics reveal 50% of airdrop tokens staked with 61,000+ participants and $50M USDC in locked liquidity.
New Stargate integration enables zero-slippage transfers between Solana and BNB Chain at 1:1 rate
Deposits reopen June 10 with 24h early access for stakers, offering 6-10 bps daily yields through PayFi model.
Protocol demonstrates significant adoption with $4.67B in transactions and $103.89M TVL, split between PayFi ($85.37M) and liquid assets ($18.34M).
Joins Paxos-led Global Dollar Network to enhance stablecoin infrastructure and adoption on Solana.