Huma FinanceHUMA

Huma Finance is a PayFi network that provides on-chain financing for real-world payment activity such as cross-border settlements, card payments, and payroll advances, with T+0 settlement. It combines Solana-based liquidity pools, a price oracle that tracks pool share tokens, and off-chain automation to fund payment receivables.

PayFi applications generate fees on payment transactions, and liquidity providers earn yield from borrower payments distributed across senior and junior tranches.

Liquidity providers supply capital to Huma's pools, while payment institutions and businesses borrow against payment-related receivables. Huma offers a permissionless version (Huma 2.0) for retail participants and Huma Institutional for permissioned participants.