{"id":43000,"date":"2025-05-23T13:37:59","date_gmt":"2025-05-23T10:37:59","guid":{"rendered":"https:\/\/coinengineer.net\/blog\/?p=43000"},"modified":"2025-05-23T13:37:59","modified_gmt":"2025-05-23T10:37:59","slug":"what-is-huma-finance-huma-what-does-it-do","status":"publish","type":"post","link":"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/","title":{"rendered":"What is Huma Finance (HUMA)? What Does It Do?"},"content":{"rendered":"<p dir=\"auto\"><a href=\"https:\/\/coinengineer.net\/blog\/ethereum-on-track-for-3200-cme-gap-remains-open\/\"><strong>Huma Finance (HUMA)<\/strong><\/a> is the first PayFi network, enabling global payment institutions to process payments 24\/7 using stablecoins and on-chain liquidity. It addresses the slowness, high fees, and unfair structure of traditional financial systems. Let\u2019s dive into the details of <strong>Huma Finance (HUMA)<\/strong> and its purpose.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#What_is_Huma_Finance\" title=\"What is Huma Finance?\">What is Huma Finance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Humas_Two_Versions\" title=\"Huma\u2019s Two Versions\">Huma\u2019s Two Versions<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Why_Huma\" title=\"Why Huma?\">Why Huma?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Huma_20_Features\" title=\"Huma 2.0 Features\">Huma 2.0 Features<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#What_are_Huma_Feathers\" title=\"What are Huma Feathers?\">What are Huma Feathers?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Investment_and_Withdrawal_in_Huma\" title=\"Investment and Withdrawal in Huma\">Investment and Withdrawal in Huma<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Investment\" title=\"Investment\">Investment<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Withdrawal\" title=\"Withdrawal\">Withdrawal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#DeFi_Integrations\" title=\"DeFi Integrations\">DeFi Integrations<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Huma_Institutional\" title=\"Huma Institutional\">Huma Institutional<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Pool_Types\" title=\"Pool Types\">Pool Types<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Humas_Security\" title=\"Huma\u2019s Security\">Huma\u2019s Security<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Huma_20_Technical_Infrastructure\" title=\"Huma 2.0 Technical Infrastructure\">Huma 2.0 Technical Infrastructure<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#HUMA_Token_Overview\" title=\"$HUMA Token Overview\">$HUMA Token Overview<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Token_Utilities\" title=\"Token Utilities\">Token Utilities<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Tokenomics_Breakdown\" title=\"Tokenomics Breakdown\">Tokenomics Breakdown<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Allocation_Plan\" title=\"Allocation Plan\">Allocation Plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Vesting_Schedule\" title=\"Vesting Schedule\">Vesting Schedule<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Transparency_and_Security\" title=\"Transparency and Security\">Transparency and Security<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Huma_Finance_Investors_and_Partnerships\" title=\"Huma Finance Investors and Partnerships\">Huma Finance Investors and Partnerships<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Huma_Finance_Founding_Team\" title=\"Huma Finance Founding Team\">Huma Finance Founding Team<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/coinengineer.net\/blog\/what-is-huma-finance-huma-what-does-it-do\/#Official_Links\" title=\"Official Links\">Official Links<\/a><\/li><\/ul><\/nav><\/div>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"What_is_Huma_Finance\"><\/span>What is Huma Finance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\"><strong>Huma Finance<\/strong> is the pioneering PayFi network that facilitates 24\/7 payment processing for global institutions through stablecoins and on-chain liquidity. Supported by prominent partners like Solana, Circle, Stellar Development Foundation (SDF), and Galaxy Digital, Huma has processed over <strong>$3.8 billion in transaction volume<\/strong>, delivering double-digit real-world yields to its liquidity providers (LPs).<\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Humas_Two_Versions\"><\/span>Huma\u2019s Two Versions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ol dir=\"auto\">\n<li><strong>Huma (Permissionless)<\/strong>: Launched in April 2025, this version is open to all, allowing retail investors to participate in Huma pools.<\/li>\n<li><strong>Huma Institutional<\/strong>: A permissioned service tailored for institutional investors, offering curated, receivables-backed credit opportunities within a regulated framework.<\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156661 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma2.png\" alt=\"\" width=\"1296\" height=\"248\" \/><\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Why_Huma\"><\/span>Why Huma?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Traditional financial systems are plagued by slowness, high costs, and inequitable profit distribution. Banks channel deposit yields to shareholders and bureaucracy, leaving depositors with minimal returns. Huma offers solutions:<\/p>\n<ul dir=\"auto\">\n<li><strong>Instant Payments<\/strong>: Merchants and suppliers receive payments instantly.<\/li>\n<li><strong>Low Fees<\/strong>: Migrant workers can send money home without excessive remittance fees.<\/li>\n<li><strong>Transparent Yields<\/strong>: Everyone can earn returns on equal terms, free from bank deductions.<\/li>\n<\/ul>\n<p dir=\"auto\">Huma builds the future of finance with PayFi, synchronizing money movement with modern commerce.<\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Huma_20_Features\"><\/span>Huma 2.0 Features<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Huma 2.0, launched on Solana in 2024, provides sustainable yields to LPs. Key features include:<\/p>\n<ul dir=\"auto\">\n<li><strong>Permissionless Access<\/strong>: No KYC\/KYB or professional investor status required.<\/li>\n<li><strong>Classic and Maxi Modes<\/strong>:\n<ul dir=\"auto\">\n<li><strong>Classic Mode<\/strong>: Offers 10.5% APY with balanced Huma Feathers rewards.<\/li>\n<li><strong>Maxi Mode<\/strong>: Forgoes stable yield for maximum Huma Feathers rewards.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Flexible Lockups<\/strong>: LPs can choose no lockup or 3\/6-month lockups to boost rewards.<\/li>\n<li><strong>DeFi Integrations<\/strong>: Compatible with Solana DeFi protocols like Jupiter, Meteora, Kamino, and RateX.<\/li>\n<li><strong>Huma Feathers Rewards<\/strong>: A loyalty program to incentivize participation.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156662 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma3.png\" alt=\"\" width=\"1192\" height=\"368\" \/><\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"What_are_Huma_Feathers\"><\/span>What are Huma Feathers?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"auto\">Huma Feathers is a loyalty system rewarding engagement with the Huma Protocol. Inspired by the mythical Huma bird, symbolizing prosperity and renewal, it reflects the platform\u2019s agility and long-term vision. Existing Huma Points were converted to Feathers at a 1:1 ratio.<\/p>\n<p dir=\"auto\"><strong>Ways to Earn Feathers<\/strong>:<\/p>\n<ul dir=\"auto\">\n<li><strong>Mode Multiplier<\/strong>: Maxi Mode offers higher rewards than Classic Mode.<\/li>\n<li><strong>Lockup Multiplier<\/strong>: 3-month (2x) or 6-month (3x) lockups, with promotional boosts to 3x and 5x.<\/li>\n<li><strong>OG LP Multiplier<\/strong>: Lifetime bonus for pre-Huma 2.0 active LPs.<\/li>\n<li><strong>Community Multiplier<\/strong>: Temporary boost for users referred by partner communities.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Investment_and_Withdrawal_in_Huma\"><\/span>Investment and Withdrawal in Huma<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Investment\"><\/span>Investment<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"auto\">Investing in Huma is straightforward:<\/p>\n<ol dir=\"auto\">\n<li>Choose Classic or Maxi Mode.<\/li>\n<li>Specify the deposit amount (minimum 1 USDC).<\/li>\n<li>Select a lockup period (none, 3 months, or 6 months).<\/li>\n<li>Sign the transaction with your wallet.<\/li>\n<\/ol>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156663 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma4.png\" alt=\"\" width=\"717\" height=\"365\" \/><\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Withdrawal\"><\/span>Withdrawal<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul dir=\"auto\">\n<li><strong>Unlocked Positions<\/strong>: Redeemable anytime, processed within 1 business day (up to 7 days).<\/li>\n<li><strong>Locked Positions<\/strong>: Redeemable after the lockup period ends.<\/li>\n<li><strong>Daily Redemption Cap<\/strong>: A limit ensures protocol stability; requests exceeding it are rejected.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156664 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma5.png\" alt=\"\" width=\"785\" height=\"369\" \/><\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"DeFi_Integrations\"><\/span>DeFi Integrations<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p dir=\"auto\">Huma integrates with the Solana ecosystem:<\/p>\n<ul dir=\"auto\">\n<li><strong>Jupiter\/Meteora<\/strong>: PST-USDC pool for instant liquidity.<\/li>\n<li><strong>Kamino\/RateX<\/strong>: Upcoming support for borrowing USDC and additional yield opportunities.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Huma_Institutional\"><\/span>Huma Institutional<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\"><strong>Huma Institutional<\/strong> is a permissioned protocol for institutional investors, offering receivables-backed credit lines, invoice factoring, and revolving credit facilities. Key features:<\/p>\n<ul dir=\"auto\">\n<li><strong>Structured Finance<\/strong>: Includes tranches, first-loss coverage, and 30\/360 calendar.<\/li>\n<li><strong>Tokenization<\/strong>: Real-world assets tokenized via SPV structures.<\/li>\n<li><strong>Transparency<\/strong>: Receivables lifecycle tracked on-chain.<\/li>\n<\/ul>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Pool_Types\"><\/span>Pool Types<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul dir=\"auto\">\n<li><strong>Revolving Credit Line<\/strong>: Borrowers can repeatedly borrow within a credit limit.<\/li>\n<li><strong>Receivables-Backed Credit Line<\/strong>: Requires approved receivables for borrowing.<\/li>\n<li><strong>Invoice Factoring Credit<\/strong>: Advances a percentage of invoice amounts.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Humas_Security\"><\/span>Huma\u2019s Security<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Huma prioritizes security:<\/p>\n<ul dir=\"auto\">\n<li><strong>Minimized Admin Rights<\/strong>: All actions require multi-signature approval.<\/li>\n<li><strong>Audits<\/strong>: Conducted by Spearbit, Halborn, and Certora.<\/li>\n<li><strong>Infrastructure Security<\/strong>: Penetration testing and real-time malware monitoring.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Huma_20_Technical_Infrastructure\"><\/span>Huma 2.0 Technical Infrastructure<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Huma 2.0 operates on Solana with the following components:<\/p>\n<ul dir=\"auto\">\n<li><strong>Solana Program<\/strong>: Manages liquidity pools.<\/li>\n<li><strong>dApp Interface<\/strong>: User interaction hub.<\/li>\n<li><strong>Price Oracle<\/strong>: Tracks PST prices in real-time.<\/li>\n<li><strong>Autotasks<\/strong>: Handle redemption requests and price updates.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"HUMA_Token_Overview\"><\/span>$HUMA Token Overview<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\"><strong>$HUMA<\/strong> is the native utility and governance token of the Huma Protocol, supporting governance, rewards, and ecosystem features to drive the PayFi movement.<\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Token_Utilities\"><\/span>Token Utilities<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul dir=\"auto\">\n<li><strong>Governance<\/strong>: Staked $HUMA enables voting on protocol decisions.<\/li>\n<li><strong>Rewards<\/strong>: LPs and ecosystem partners earn $HUMA based on contributions.<\/li>\n<li><strong>Value Accrual<\/strong>: Protocol revenue is distributed via community-designed mechanisms.<\/li>\n<li><strong>Ecosystem Currency<\/strong>: Enables advanced features like real-time redemption.<\/li>\n<\/ul>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Tokenomics_Breakdown\"><\/span>Tokenomics Breakdown<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul dir=\"auto\">\n<li><strong>Total Supply<\/strong>: 10,000,000,000 $HUMA (fixed).<\/li>\n<li><strong>Initial Circulating Supply<\/strong>: 17.33%.<\/li>\n<\/ul>\n<h4 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Allocation_Plan\"><\/span>Allocation Plan<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul dir=\"auto\">\n<li><strong>Initial Airdrop (5%)<\/strong>: Rewards loyal users, LPs, and community contributors.<\/li>\n<li><strong>LP and Ecosystem Incentives (31%)<\/strong>: For LPs and PayFi asset originators, with deflationary quarterly releases.<\/li>\n<li><strong>CEX Listings and Marketing (7%)<\/strong>: For top-tier exchange listings and global campaigns.<\/li>\n<li><strong>Market Maker and On-Chain Liquidity (4%)<\/strong>: Ensures stable token dynamics.<\/li>\n<li><strong>Pre-Sales (2%)<\/strong>: Allocated to early supporters.<\/li>\n<li><strong>Investors (20.6%)<\/strong>: For Seed and Series A investors, with multi-year vesting.<\/li>\n<li><strong>Team and Advisors (19.3%)<\/strong>: For core contributors, with multi-year vesting.<\/li>\n<li><strong>Protocol Treasury (11.1%)<\/strong>: For future development, with 1% unlocked at TGE and the rest over 8 quarters.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156665 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma6.webp\" alt=\"\" width=\"1465\" height=\"817\" \/><\/p>\n<h4 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Vesting_Schedule\"><\/span>Vesting Schedule<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<ul dir=\"auto\">\n<li><strong>Team and Investors<\/strong>: 12-month lockup, followed by 3-year quarterly linear releases.<\/li>\n<li><strong>LP and Ecosystem<\/strong>: Deflationary quarterly releases (7% decay), with a second airdrop (2.1%) 3 months post-TGE.<\/li>\n<li><strong>Protocol Treasury<\/strong>: 1% unlocked at TGE, remainder distributed over 8 quarters.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156666 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma7.webp\" alt=\"\" width=\"1464\" height=\"820\" \/><\/p>\n<h3 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Transparency_and_Security\"><\/span>Transparency and Security<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul dir=\"auto\">\n<li><strong>Audits<\/strong>: Huma 2.0 (Solana) and Huma Institutional (Solana, EVM, Stellar) audited by Halborn, Spearbit, and Certora.<\/li>\n<li><strong>Transparency<\/strong>: Real-time token supply and allocation metrics are publicly accessible. Governance tools will be announced post-TGE.<\/li>\n<\/ul>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Huma_Finance_Investors_and_Partnerships\"><\/span>Huma Finance Investors and Partnerships<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Huma Finance, a San Francisco-based DeFi protocol founded in 2022, provides decentralized risk and credit solutions backed by revenue and receivables. It has raised <strong>$46.3 million<\/strong> from notable investors and partners, including:<\/p>\n<ul dir=\"auto\">\n<li>Circle<\/li>\n<li>Robot Ventures<\/li>\n<li>T\u00fcrkiye \u0130\u015f Bankas\u0131<\/li>\n<li>Fenbushi Capital<\/li>\n<li>Folius Ventures<\/li>\n<li>Parafi Capital<\/li>\n<li>Distributed Global<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156658 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma.png\" alt=\"\" width=\"1057\" height=\"282\" \/><\/p>\n<p dir=\"auto\">This strong investment network supports Huma\u2019s mission to scale its Web3 credit infrastructure globally.<\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Huma_Finance_Founding_Team\"><\/span>Huma Finance Founding Team<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p dir=\"auto\">Huma Finance was founded by experienced entrepreneurs Erbil Karaman and Richard Liu. The leadership team includes:<\/p>\n<ul dir=\"auto\">\n<li><strong>Richard Liu<\/strong> \u2013 Co-Founder and CEO<\/li>\n<li><strong>Erbil Karaman<\/strong> \u2013 Co-Founder (previously founded 7 ventures, including Campus People, Rotaractors, and Sahnebenim.com)<\/li>\n<li><strong>Ji P.<\/strong> \u2013 Co-Founder<\/li>\n<li><strong>Lei Du<\/strong> \u2013 Co-Founder<\/li>\n<li><strong>Patrick F. Campos<\/strong> \u2013 Strategic Advisor<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-156660 aligncenter\" src=\"https:\/\/coinmuhendisi.com\/blog\/wp-content\/uploads\/2025\/05\/huma1.png\" alt=\"\" width=\"1412\" height=\"138\" \/><\/p>\n<p dir=\"auto\">This team\u2019s deep expertise in Web3 and traditional finance drives Huma Finance\u2019s global growth.<\/p>\n<h2 dir=\"auto\"><span class=\"ez-toc-section\" id=\"Official_Links\"><\/span>Official Links<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><a href=\"https:\/\/docs.huma.finance\/\"><strong>Whitepaper:<\/strong> HUMA Whitepaper<\/a><\/li>\n<li><a href=\"https:\/\/discord.gg\/29zVxZ6kCN\"><strong data-start=\"4426\" data-end=\"4442\">Discord: <\/strong>HUMA Discord<\/a><\/li>\n<li><a href=\"https:\/\/x.com\/humafinance\"><strong data-start=\"4323\" data-end=\"4336\">X (Twitter): <\/strong>HUMA Discord<\/a><\/li>\n<\/ul>\n<hr \/>\n<p dir=\"auto\"><em>Also, in the comment section, you can freely share your comments and opinions about the topic. Additionally, don\u2019t forget to follow us on\u00a0<a href=\"https:\/\/t.me\/coinengineernews\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Telegram<\/strong><\/a>,\u00a0<a href=\"https:\/\/www.youtube.com\/@CoinEngineer\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>YouTube<\/strong><\/a>\u00a0and\u00a0<a href=\"https:\/\/twitter.com\/coinengineers\" target=\"_blank\" rel=\"nofollow noopener\"><strong>Twitter<\/strong><\/a>\u00a0for the latest\u00a0<a title=\"News\" href=\"https:\/\/coinengineer.net\/blog\/news\/\" data-internallinksmanager029f6b8e52c=\"7\">news<\/a>\u00a0and updates.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Huma Finance (HUMA) is the first PayFi network, enabling global payment institutions to process payments 24\/7 using stablecoins and on-chain liquidity. It addresses the slowness, high fees, and unfair structure of traditional financial systems. Let\u2019s dive into the details of Huma Finance (HUMA) and its purpose. What is Huma Finance? Huma Finance is the pioneering<\/p>\n","protected":false},"author":29,"featured_media":43003,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[16305,16307,16306,16304,16303],"class_list":["post-43000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-project-review","tag-how-to-use-huma-finance-huma","tag-huma-finance-huma-binance","tag-huma-finance-huma-listing","tag-what-does-huma-finance-huma-do","tag-what-is-huma-finance-huma"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Huma Finance (HUMA)? 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