Huma Finance is a PayFi protocol that provides structured settlement liquidity, suitable for scenarios such as cross-border payments and credit card settlements. By connecting liquidity providers and borrowers through blockchain infrastructure, Huma offers an alternative solution for capital-intensive systems with settlement delays.

The protocol operates two products: Huma Institutional (a permissioned platform for accredited participants) and Huma 2.0 (a permissionless service for retail investors). Since the launch of Huma 2.0 on April 9, 53,400 depositors have supplied the protocol with 50 million USDC. To date, Huma has issued 2.30 billion in credit, with a total transaction volume of 4.50 billion, supporting 12 active lending pools on Solana, Stellar, and EVM-compatible chains. Huma has secured 46 million in funding and merged with Arf in 2024, expanding its role as a PayFi financing layer.

HUMA

USDC

Huma Finance is a payment financing (PayFi) protocol, offering structured settlement liquidity for use cases like cross-border payments and credit card settlements. By connecting liquidity providers and borrowers through blockchain infrastructure, Huma provides an alternative to capital-intensive and delayed settlement systems.

The protocol operates two products: Huma Institutional, a permissioned platform for accredited participants, and Huma 2.0, a permissionless service designed for retail investors. Since launching Huma 2.0 on April 9, 53,400 depositors have supplied 50 million USDC to the protocol. To date, Huma has originated $2.3 billion in credit across $4.5 billion in total transaction volume and currently supports 12 active lending pools across Solana, Stellar, and EVM-compatible chains. Backed by $46 million in funding and a 2024 merger with Arf, Huma is scaling its role as the financing layer of the PayFi stack.

Overview and Development Updates of Huma Finance Payment Financing Protocol