What is Huma?

Huma is the first PayFi network - powering real-world payment financing with T+0 on-chain settlement. Huma connects global capital to high-quality real-world payment assets such as cross-border settlements, card payments, and payroll advances. Backed by strategic partners, including Solana, Circle, Stellar Development Foundation (SDF), Galaxy Digital, and others - with over $7 billion in on-chain transactions, Huma delivers institutional-grade credit infrastructure to DeFi, making real yield instant, transparent, and permissionless.

The Huma Protocol is offered in two forms:

• Huma (Permissionless) – Launched in April 2025, this version is open to all, allowing retail investors to participate in Huma pools and join the broader PayFi movement.

• Huma Institutional – A permissioned protocol designed for institutional investors to access curated payment financing and RWA opportunities. This enables licensed financial institutions to scale responsibly while meeting the surging demand for flexible, compliant financial infrastructure.