FAQs
Last updated
Last updated
Huma 2.0 democratizes access to decentralized finance with a permissionless model, allowing anyone to tap into institutional-grade PayFi yields—previously available only to professional investors. Huma 2.0 is the flagship product, branded simply as Huma.
The existing permissioned service continues under the Huma Institutional brand, serving institutional partners with tailored requirements.
The Launch App button on provides access to both:
Huma (permissionless) – launched in April 2025
Huma Institutional (permissioned) – the original product prior to April 2025
Huma Feathers are the evolution of our loyalty system to reward the community based on their engagement with the Huma Protocol, inspired by the mythical Huma bird—a symbol of prosperity and renewal. Feathers reflect the platform's agility and long-term vision.
All Huma Points have been rebranded as Feathers and converted at a 1:1 ratio. The points earned before the launch of Huma 2.0 can be accessed via the Huma Institutional DApp.
Huma 2.0: Available only on Solana
Huma Institutional: Available on Solana, EVM, and Stellar
Any user from a non-sanctioned or non-restricted country can participate, provided their wallet does not get flagged by Chainalysis risk screening.
1 USDC
Yes. Huma has a dynamic pool cap based on real-world capital demand from PayFi partners to ensure high utilization rates. When the cap is reached:
New deposits are paused
Deposits reopen only when new demand is added or existing LPs withdraw
This protects yield quality for all participants and keeps capital highly efficient.
Users receive a liquid LP token based on the mode they choose:
$PST (Classic Mode)
$mPST (Maxi Mode)
Users can switch the mode of their existing positions to swap between $PST and $mPST.
Huma offers two modes to match different LP strategies. You can switch between them anytime, as often as you like.
Classic Mode provides stable yield with moderate Huma Feather rewards. The current APY is 10.5%, updated monthly based on market conditions. This mode is ideal for LPs who prioritize consistent income.
Maxi Mode offers maximum Feather rewards by trading away stable yield. LPs in this mode earn only Huma Feathers, making it the go-to choice for Feather-maximizing believers—aka the Huma maxis
PST stands for PayFi Strategy Token
$PST: LP token for Classic Mode (yield + rewards)
$mPST: LP token for Maxi Mode (maximum rewards, no yield)
When switching modes:
Your current token ($PST or $mPST) is burned, and the corresponding token is minted
Switching to Maxi: Forgoes APY for higher amount of Huma Feathers
Switching to Classic: Captures APY with lower amount of Huma Feathers
Lockup status remains unchanged.
You can switch at any time, as often as you'd like.
There is currently no fee for switching (gas fees apply), but this may change in the future.
Yes. Huma integrates with major Solana protocols:
Jupiter – PST-USDC swaps for instant liquidity
Meteora – Underlying pool powering Jupiter
Kamino – Borrow USDC against PST (looping may be supported)
RateX – Trade the reward component of yield-bearing assets
Yes. Both tokens are standard SPL tokens and can be transferred to any supported wallet.
However, please note:
Transferred tokens lose their lockup status
The transferred position will be treated as unlocked in the receiving wallet
Any extra Feathers earned from lockups will be reverted in the original wallet
An exception applies only if the transfer is to protocols where Huma has officially stated that lockup status and rewards will be preserved (currently none)
Locking your position boosts your Feather reward multiplier while still giving you full access to your capital once the lockup ends.
Huma offers three lockup options:
No Lockup: Redeem anytime. Earns baseline Feather rewards.
3-Month Lockup: Redeem after 3 months. Earns higher Feather rewards.
6-Month Lockup: Redeem after 6 months. Earns the highest Feather rewards.
💥 Limited-Time Bonus:
During the Huma 2.0 launch promotion, reward multipliers for 3-month and 6-month lockups are boosted even further. It's the perfect time to commit and maximize your earnings.
You can stack multiple multipliers for even higher rewards:
Mode Multiplier – Maxi Mode > Classic Mode
Lockup Multiplier – Longer lockups = higher multiplier
OG LP Multiplier – Lifetime bonus for pre-Huma 2.0 LPs who remained active
Loyal LP Multiplier (coming soon) – For LPs with consistently retained positions
Community Boost Multiplier – Temporary boost for users referred by partner communities
No Lockup: Redeem anytime
Locked Positions: Redeem after the lockup period ends
Redemptions are processed on a first-come, first-served basis. Most are completed within 1 business day, though some may take up to 7 days .
A PST-USDC pool on Jupiter (via Meteora) enables instant swaps.
Even if your position is locked, you can exit early by swapping on Jupiter. However, in that case
The position is treated as unlocked
Any extra Feathers earned from the lockup will be reverted
As the name PayFi Strategy Token suggests, most of the capital will be deployed into PayFi opportunities. A portion of the pool will be allocated to market-neutral liquid assets to ensure liquidity for redemptions.
Huma primarily generates yield from PayFi—real-world payment financing activities such as:
Global settlement
Card payments
Trade finance
Businesses pay a daily fee to borrow capital (typically 1–5 days), allowing:
Capital recycling up to 100x/year
Compounding effect that drives stable, double-digit returns
Unlike DeFi yield, which relies on token incentives, PayFi yield is rooted in the real economy.
Huma also generates yield from market-neutral digital asset deployments.
Huma follows industry best practices for security:
Minimized Admin Rights – All admin actions require multisig. Even if keys are compromised, contracts prevent LP fund theft.
Infrastructure Security – Penetration-tested backend, real-time malware monitoring, and employee security protections
Huma Institutional is available to professional investors who complete KYC/KYB verification.
This requirement is unchanged from the existing permissioned product.
No. Huma Feathers are non-transferable and non-tradable.
They are tied to your wallet and reflect your individual participation and loyalty.
Feathers cannot be sold, transferred, or shared.
There is no hard cap, but your rewards depend on:
The amount and duration of your deposit
Your reward multipliers (mode, lockup, OG status, etc.)
The reward allocation available for the current season
Rewards are performance-based, not arbitrarily capped.
However, Huma reserves the right to revoke rewards if a wallet engages in Sybil attacks or manipulation.
While Huma prioritizes safety, DeFi participation carries risks, including:
Smart Contract Risk – Even with audits, vulnerabilities may exist
Slippage / Impermanent Loss – May occur when using $PST in external DeFi
Liquidity Risk – Redemptions may be delayed during peak activity
Regulatory Risk – Legal changes may affect your ability to participate
Credit Risk – While historically very low, PayFi borrowers may default
Huma mitigates these through:
Audited contracts
Conservative protocol design
Real-world yield generation
Transparent governance
Rigorous underwriting and risk management.
Disclaimer: These FAQs are provided for user convenience. Accordingly, they do not fully describe the legal structure or operations of the issuer of $PST and $mPST, nor do they fully describe certain risk factors. Detailed information about the foregoing is set forth in the issuer's PayFi Strategy Memorandum (PSM), which will be provided to users as part of the deposit process.
Top-Tier Audits – Audited by Spearbit, Halborn, and Certora. Huma 2.0 was audited by Halborn. []