What is Huma Finance (HUMA)?
Huma Finance is a decentralized protocol that enables lending and borrowing by using income and receivables as collateral. It connects real-world financial activity with decentralized infrastructure.
The project introduces a PayFi model, which allows access to credit based on projected income rather than crypto asset holdings. This model supports individuals, small businesses, and users in underserved financial environments.
HUMA is the utility and governance token of the Huma Finance ecosystem. It is used for protocol operations, governance participation, and supports features such as programmable payments, real-time liquidity, and on-chain underwriting.
The protocol operates on income-based collateralization, permitting users to secure credit with future income streams including payroll, invoices, and remittances. It integrates on-chain and off-chain data for automated underwriting and uses smart contracts to manage repayment flows and settlement.
Huma Finance is applicable in various sectors. It enables remittance-based lending in emerging markets, invoice-based liquidity for businesses, early wage access through tokenized payrolls, and deferred payment systems for services like education and healthcare.
The circulating supply of HUMA is approximately 1.73 billion tokens, with a total supply capped at 10 billion tokens.
HUMA is listed on Binance for trade and purchase. The current price of HUMA is available and updated in real-time on Binance.