Huma Finance: The World’s First PayFi Protocol Leading Global Payment Innovation

The dual-core product architecture of Huma Finance

Huma has two main product lines, each serving different customer groups:

• Huma (Permissionless): Launching in April 2025, it allows any user to join the liquidity pool without verification, achieving yield democratization and open to all participants.
• Huma Institutional: A compliance solution designed specifically for banks, funds, and other institutions, providing regulated accounts receivable asset participation opportunities to meet the compliance needs of professional investors.

This structure balances the needs for openness and compliance, creating an inclusive ecosystem that encompasses both individual and institutional users.

Huma 2.0 Upgrade Highlights

The latest version adds multiple innovative features:

• No threshold participation: All users can join the liquidity without qualification restrictions.
• Dual Mode Yield Strategy: Classic Mode balances stable returns with $HUMA rewards, while Maxi Mode sacrifices stable interest rates for higher multiples of $HUMA incentives.
• Flexible Lock-up: Supports no lock-up, 3 months, and 6 months lock-up options. The longer the lock-up, the richer the rewards.
• Solana DeFi Deep Integration: Working closely with protocols such as Jupiter and Meteora to provide instant liquidity and additional yield.
• Huma Feathers Reward System: Introduces a diverse dynamic reward multiplier and activity participation mechanism to enhance user engagement.

Tokenomics and Distribution Strategy

The total supply of $HUMA tokens is 10 billion, with a reasonable distribution that supports the stable development of the protocol:

• 31% for liquidity incentives and ecological expansion, with a quarterly decreasing release deflation mechanism.
• 19.3% allocated to the team and advisors, with a 12-month lock-up period implemented, released linearly over 3 years.
• 20.6% allocated to seed round and A round investors, with the lock-up arrangements consistent with the team.
• 11.1% allocated for the protocol treasury to support future collaborations and liquidity maintenance.
• 7% for listing on top exchanges and market promotion.

The remaining part covers market makers, pre-sales, airdrops, and strategic partnerships.

The core function of the $HUMA token

Tokens are not only governance tools, but also used for:

• Participate in protocol governance through staking, voting influences policies and parameters.
• Liquidity providers and active users receive rewards.
• Support for diverse applications in the ecosystem, such as instant exchange.
• The token buyback and burn mechanism helps to enhance value.

Summary

Huma Finance is not just an innovation in decentralized finance, but a revolutionary force in the global payment system. It uses blockchain technology to create an efficient, transparent, and low-cost payment and lending ecosystem. With the launch of Huma 2.0, individuals and institutions can share institutional-level financial innovation results, moving towards a fairer global financial future.