HUMAHuma Finance (HUMA) Price

1.Project introduction

Huma is the first PayFi (Payment Finance) network, connecting global capital to high-quality real-world payment assets such as cross-border settlements, card payments, and payroll advances. Backed by Solana, Circle, SDF, Galaxy Digital, and more, Huma has processed over $7B in on-chain transactions. The protocol offers both permissionless pools for retail investors and an institutional version for qualified financial players, facilitating instant, transparent, and permissionless real-world yield. Launched to build institutional-grade credit infrastructure for DeFi, Huma’s vision is to modernize global finance by merging blockchain transparency with legacy payment systems, rewarding both liquidity provision and community contributions.

2.Team introduction

Richard Liu

Co-Founder & Co-CEO Engineering background; previously served as an Engineering Executive at Google (where he led products such as Google Fi), CTO of EarnIn, and Founder of Leap.ai (acquired by Facebook). He is also a Venture Partner at Foothill Ventures.

Erbil Karaman

Co-Founder & Co-CEO Focuses on product and growth strategy; has held relevant roles at companies including Lyft, EarnIn, and Meta. He is also active in the startup investment sector and is the Founder of istanbul.500.co.

Patrick Campos

Chief Business Officer Joined Huma in February 2025. He has a strong background in finance, blockchain, and regulatory affairs, with deep expertise in liquidity and market architecture. He previously served as Chief Strategy Officer at Securrency and has provided advisory services to multiple fintech enterprises.

3.Investment institution

Race Capital, Distributed Global, ParaFi Capital, Circle Ventures, Folius Ventures, Robot Ventures, Hashkey Capital, Stellar Development Foundation, TIBAS Ventures

4.Token application and distribution

Token application

$HUMA is the native utility and governance token of the Huma ecosystem. Token holders can stake $HUMA to participate in protocol governance, influence protocol parameters, and vote on key decisions. Stakers and liquidity providers receive rewards and boosted yields, while ecosystem partners and contributors are incentivized via token allocations. $HUMA serves for advanced protocol functions, with ongoing development of deflationary and value accrual mechanisms. The token unites stakeholders—retail, institutional, and partners—in shaping Huma’s PayFi future.

Token distribution

Liquidity Provider and Ecosystem Incentives: 31.00%

Investors: 20.60%

Team & Advisors: 19.30%

Protocol Treasury: 11.10%

CEX Listings & Marketing: 7.00%

Initial Airdrop: 5.00%

Market Maker & On-chain Liquidity: 4.00%

Pre-Sales: 2.00%