HUMA Finance: Revolutionizing Global Payments and Financial Infrastructure with PayFi

Structural challenges faced by traditional payment methods

In the traditional cross-border payment process, lengthy settlement cycles of several days, high intermediary fees, and a lack of transparency have become obstacles to stimulating global trade and financial activity. HUMA Finance utilizes blockchain combined with stablecoin settlement to break these bottlenecks, providing continuous and instant fund flow solutions that synchronize and enhance the efficiency of transactions and settlements.

PayFi Dual System Design: Balancing Openness and Compliance

The HUMA platform is divided into two main modules to meet the different needs of users:

• HUMA (Permissionless): Exempt from identity verification (KYC) restrictions, allowing any user to participate, achieving institutional-level profit sharing, and expanding financial participation.
• HUMA Institutional: Tailored specifically for compliant financial institutions, banks, and asset managers, supporting financing of regulated accounts receivable assets while balancing regulatory compliance and market efficiency.

This framework promotes the collaborative development of a multi-layered financial ecosystem that encompasses both retail and institutional participants.

HUMA 2.0: An Innovative Mechanism to Strengthen Participation Motivation

The new version of HUMA allows users to freely choose a yield method that matches their own risk preferences through a dual-modal solution:

• Classic Mode: A stable balance of stable returns and token rewards.
• Maxi Mode: Focus on obtaining richer HUMA token incentives, but give up some stable earnings.

By providing flexible lock-up period options and deeply connecting with liquidity protocols in the Solana ecosystem, such as Jupiter and Kamino, it enhances users’ financial autonomy and flexibility.

Feather Reward System: Encouraging Long-Term Participation

The Feathers reward mechanism of HUMA is set to a dynamic scoring model, granting different levels of reward multipliers based on users’ contributions and activity levels, effectively guiding users to balance short-term arbitrage with long-term investment, and promoting sustainable prosperity of the ecosystem.

Token Economics Design and Application

The total supply of HUMA native token $HUMA is 10 billion, designed to balance long-term incentives and value stability:

• 31% allocated to liquidity providers and ecosystem participants to ensure continuous momentum.
• Implement a governance-related staking weight system to strengthen the influence of participants.
• Dynamic buyback and deflationary strategy, supporting stable growth of token value.

$HUMA is not only an investment target, but also the core of protocol operation and user benefits.

Summary

HUMA Finance is reshaping the financial underlying architecture of cross-border payments and capital flows through blockchain and PayFi innovation, building a financial expressway suitable for both individuals and institutions to participate simultaneously. As technology and ecology continue to evolve, HUMA is expected to lead the next wave of revolution in global digital finance.