Amid the wave of continuous innovation in the fintech sector, Huma Finance stands out with its unique PayFi (Payment Finance) network, reshaping the global payment and financing landscape. Founded in 2022 and headquartered in Cupertino, California, this company was co-founded by blockchain expert Erbil Karaman and fintech expert Richard Liu.

Huma Finance's core advantage lies in its groundbreaking platform features. The platform allows global payment institutions to utilize stablecoins and on-chain liquidity to achieve round-the-clock uninterrupted payment settlements. It not only supports diverse scenarios such as cross-border payments, credit card transactions, and trade financing but also innovatively introduces the PayFi model. This model enables institutions to obtain instant liquidity from decentralized funding pools based on on-chain credit credentials (such as accounts receivable) without the need for traditional collateral, significantly simplifying the financing process.

On the technical level, Huma Finance adopts a three-layer Blockchain protocol architecture. The transaction layer is based on the high-performance Solana network, ensuring instant settlement of transactions; the currency layer integrates stablecoins like USDC, effectively reducing foreign exchange volatility risk; the financing layer innovatively allows enterprises to obtain the required liquidity using on-chain credit certificates.

In the ecosystem, Huma Token plays a key role as a utility and governance token. Holders can participate in protocol governance through staking, and the duration of staking directly affects voting weight. Additionally, parties that contribute to the ecosystem, including liquidity providers, stakers, partners, and community contributors, can receive corresponding Huma Token rewards.

The development trajectory of Huma Finance is remarkable. After launching the institutional platform in 2023, the company continues to innovate. The Huma 2.0 version launched on Solana in April 2025 achieved a ninefold increase in the depositor base within just one month. As of May 2025, Huma has securely processed transaction volumes of up to $4.5 billion and maintained a zero credit default record, with an impressive annualized revenue reaching $9 million.

The success of Huma Finance not only reflects its technological strength but also highlights its innovative vision in reshaping the payment financial ecosystem. As the global financial digital transformation deepens, Huma Finance's PayFi network is expected to play an increasingly important role in the future, bringing more innovations and opportunities to the global payment and financing market.