What is the current price of Huma Finance?
The current price of Huma Finance is $0.02849 with a 0.57% change in the last 24 hours.
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Prices and notionals are USD-equivalent venue units, with USDC collateral. No currency conversion is applied. Notional = venue price × base-asset size. Contract specifications
Derivatives and mapped ecosystem data, with source timings and coverage.
Huma Finance is a lending protocol built around real-world payment flows rather than crypto collateral. It describes itself as the first PayFi network, meaning it funds the short gap between when a payment is initiated and when it settles. A cross-border remittance, a card transaction or an invoice usually leaves someone waiting days for money that is already owed. Huma advances stablecoin liquidity against those receivables and pays the lenders who supply it.
HUMA is the network's utility and governance token. Depositors do not need to hold HUMA to lend, but the token is how the protocol distributes incentives and how governance decisions are made.
The mechanics are unusual for DeFi. Loans are short-dated, often measured in days, and repayment comes from an identified payment already in flight, not from a borrower's willingness to keep a collateral ratio. The yield source is real economic activity rather than token emissions or leverage demand.
Official sources:
Huma was founded in 2022 in San Francisco by Erbil Karaman, Richard Liu, Ji Peng and Lei Du. Karaman and Liu serve as co-chief executives. Karaman previously led product and growth work at Meta, Lyft and EarnIn, and Liu was an engineering director at Google, where he worked on Google Fi, before serving as chief technology officer at EarnIn.
The protocol first launched on Solana in 2024 as a permissioned product for accredited and institutional lenders, with know your business and know your customer checks. In April 2025 Huma opened a permissionless version, removing the accreditation requirement so retail depositors could participate. The HUMA token generation event followed in May 2025.
Huma's documentation names Solana, Circle, the Stellar Development Foundation and Galaxy Digital among its partners and states that the protocol has processed more than $7 billion in cumulative on-chain transactions.
Liquidity providers deposit stablecoins Depositors supply USDC into a pool and receive a liquidity token representing their claim, which accrues value as loans repay.
Payment businesses borrow against receivables Licensed payment institutions, remittance firms and card processors draw from the pool to pre-fund settlements they would otherwise cover from their own balance sheets. The receivable is the source of repayment.
Repayment closes the loop on a short cycle Because the underlying payment settles quickly, capital recycles many times. That turnover, not high interest rates, is what produces the yield.
Two participation modes Classic Mode pays a stable APY plus a base allocation of protocol rewards and issues PST, the PayFi Strategy Token, as the LP token. Maxi Mode gives up the stable APY entirely for a much larger share of rewards and issues mPST. Switching is instant and costs only gas. The Classic APY is set by the protocol and adjusted periodically.
Optional lockups and composability Depositors can choose no lockup or lock for three or six months for higher rewards. PST is integrated with Solana DeFi venues including Jupiter, Meteora, Kamino and RateX, so a depositor can swap out or borrow against the position rather than wait for redemption.
HUMA is used for:
The reward pipeline runs through Feathers. Users earn Feathers for depositing, locking and referring, and Feathers convert to HUMA at a ratio the team publishes per season and can adjust. Since October 2025 the application shows allocated HUMA directly rather than only a Feather balance.
Total supply is capped at 10,000,000,000 HUMA. A live query of the Solana mint HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw returns 6 decimals and a supply consistent with that cap. Supply is allocated across liquidity provider and ecosystem rewards, investors, team, treasury and pre-sale contributors. Team and investor allocations carry a twelve-month lock followed by multi-year vesting, with the schedule running out to 2029.
Most DeFi lending is over-collateralized crypto against crypto. Huma's borrowers post a claim on a payment already initiated by a regulated institution, which changes the risk shape entirely. The lender's exposure is to settlement failure and counterparty credit, not to a price crash triggering liquidations.
The second distinctive element is capital velocity. A pool funding three-day settlements can turn over its capital many times a month, which is why a relatively modest amount of deposited liquidity can support very large cumulative flows.
Compared with tokenized treasury products, Huma is not passing through government bond yield. The return comes from fees paid by payment businesses for speed. Compared with earlier undercollateralized credit protocols that lent to crypto trading firms, Huma's borrowers are payment companies with a defined, short-duration receivable, and the institutional arm adds tranching and first-loss cover rather than relying on reputation alone.
On the technical side, Huma's contracts are deployed on Solana, Stellar and EVM chains, and the documentation publishes program and contract addresses along with an audits section, so users can verify pool addresses rather than trusting a front end.
On the credit side, security comes from underwriting and structure. Institutional pools use senior and junior tranches so junior capital absorbs losses first, and first-loss covers add another buffer. Borrowers are vetted payment institutions rather than anonymous wallets. Redemption follows a defined schedule, which protects the pool from a run at the cost of liquidity for the depositor.
Global payments still move slower than information, and the cost of that gap is paid by merchants, suppliers and migrant workers. Huma is one of the few crypto protocols whose yield traces to a specific real-world inefficiency being closed. Whether or not PayFi becomes a lasting category name, connecting on-chain liquidity to payment settlement is a genuine use for stablecoins beyond trading.
HUMA trades on major centralized exchanges and on decentralized venues on Solana and BNB Chain. Confirm the correct mint or contract address before swapping, since the ticker is short and easily imitated.
Listings include Binance, OKX, Bybit, Bithumb, WhiteBIT, Gate and MEXC. Availability varies by jurisdiction and changes over time.
Depositing into Huma pools requires a self-custodied wallet, because PST and mPST are protocol positions that exchanges do not support.
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Read the complete paper trading guideThe current price of Huma Finance is $0.02849 with a 0.57% change in the last 24 hours.
The daily trading volume is $1,999,497 representing a 21.34% change in the past 24 hours.
The market capitalization of Huma Finance is $49,390,678, ranking #307 globally.
The fully diluted valuation (FDV) of Huma Finance is $284,946,218, calculated assuming the maximum supply of 10,000,000,000 HUMA is in circulation.
Circulating: 1,733,333,333. Total: 10,000,000,000. Max: 10,000,000,000.
In the last 24 hours, Huma Finance traded between a low of $0.02751 and a high of $0.02997.
HUMA/USDTTether USDT0.02849 USDT
A logic bug in Huma’s legacy V1 Polygon credit pools let an attacker drain about $101,400 in USDC, but its Solana‑based PayFi V2 and PST token remain structurally unaffected. Huma Finance has disclosed that its legacy V1 contracts on Polygon…
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