Huma Finance

Huma Finance is the first PayFi (Payment Financing) network, a blockchain protocol that lets businesses and payment providers borrow stablecoin liquidity against real-world receivables and invoices, settling cross-border payments and card transactions in seconds instead of days. Liquidity providers deposit USDC and earn double-digit yield sourced from the fees borrowers pay for that instant settlement. Founded in 2022 and built natively on Solana, Huma has processed more than $4.5 billion in transaction volume and launched its HUMA governance token in May 2025.