Huma Finance

Huma Finance is a decentralized finance application that describes itself as a PayFi network, meaning it connects global payment institutions to on-chain liquidity so that cross-border payments, credit card settlements, trade finance, and similar transactions can be settled around the clock using stablecoins. The problem it addresses is the gap between traditional payment timing — which is often slow and constrained by banking hours — and the need for instant, continuous settlement. The intended users are payment institutions and businesses that move money internationally, not individual retail consumers.

Huma Finance operates on both the BNB Chain and Solana ecosystems, allowing liquidity providers to fund a pool that payment institutions draw on to settle obligations immediately, repaying the pool when their underlying payment flows clear. The HUMA token is the native asset of the network; it has a maximum supply of 10,000,000,000 tokens, of which approximately 17.33 percent — around 1,733,333,333 tokens — are currently in circulation. The protocol does not use its own consensus algorithm; it inherits settlement finality from the underlying blockchains on which it is deployed.

Huma Finance generates fees from the financing activity on its platform, paid by the payment institutions and borrowers who access liquidity. Over the trailing 24 hours the protocol recorded 89,740 in fees, over the trailing 7 days 663,206, and over the trailing 30 days 2,935,138, with fee growth of 6.05 percent over that 30-day window. Annualizing the trailing 30-day figure produces an annualized fee run-rate of 35,710,845.67, and the trailing 12-month total stands at 16,305,118. The data provided does not specify what share of collected fees flows to token holders versus liquidity providers versus the protocol treasury.