#HumaFinance is a Decentralized Finance (DeFi) project

Its core objective is to connect individuals, businesses, and global investors, addressing the inefficiencies and high costs in traditional payment systems through on-chain financial tools.

Main Features:
1. PayFi Network: Huma is the first network focused on payment financing, utilizing stablecoins and on-chain liquidity to support cross-border payments, credit card settlements, trade financing, and other scenarios, providing 24/7 instant settlement.

2. Income-backed lending: The Huma V1 platform provides unsecured loans by assessing the future income streams of borrowers, combining decentralized signal processors and assessment agents for credit scoring and risk management.

3. Tokenization of Real-World Assets (RWA): Huma focuses on the tokenization of real-world assets by merging with Arf (a cross-border payment platform), unlocking liquidity and capital efficiency in the payment industry.

4. Multi-chain expansion: Huma has been deployed on the Solana and Stellar blockchains, taking advantage of their high performance and low-cost characteristics, while planning to expand to more ecosystems.

5. Innovative Model: Adopting the "Time Value Model" (TVM) to optimize capital liquidity with millisecond-level precision, significantly enhancing cross-border payment efficiency.

Development Highlights:
- Financing: In 2023, raised $8.3 million in seed round financing, and in 2024 raised $38 million (including $10 million in equity and $28 million in RWA investment), with investors including Distributed Global, Hashkey Capital, etc.

- Trading Volume: Since its launch in 2022, the cumulative on-chain trading volume has exceeded 3 billion USD, and the lending volume has reached 1 billion USD.

- Milestone: Recognized at ETHDenver in 2023, merging with Arf in 2024 and expanding to Solana and Scroll mainnet.

Application Scenarios:
- Provide unsecured loans and trade financing for small and medium-sized enterprises.
- Support for Decentralization Infrastructure (DePIN) projects, such as the financing of renewable energy networks.
- Optimize cross-border payments and reduce the capital locking costs of traditional banking systems.

The native token of Huma, $HUMA, was launched in 2025, supporting staking, governance, and ecosystem incentives. The current market capitalization is approximately $114 million, with a fully diluted market cap of about $657 million.