Huma Finance
@humafinance • 120,443 subscribers
Real yield backed by real world payments
Shorts
Videos
Huma Turns 4 today. Huma was founded on April 20, 2022 with a clear mission — to accelerate the movement of money for a world that is always on. This is the story behind that mission. The inspiration came from our founders’ experience building EarnIn, a leading payment financing app. EarnIn helped tens of millions of Americans access their wages in real time instead of waiting for weeks, avoiding end of month cash flow challenges that often led to debt spirals. It wasn't easy. Even after scaling EarnIn to more than $10B in cashouts with less than 1% loss rates, it was difficult to find lenders willing to finance payment gaps for a few days. Retrofitting AI-driven real-time solutions on top of existing banking infrastructure revealed a stark truth. The future of finance could not be built on legacy rails. So, they left EarnIn to build a new payment financing layer at global scale. The first prototype won the DeFi track at EthDenver. Shortly after, Huma was founded. Huma 1.0 launched in 2023 with a handful of LPs and early partners believing in our mission, building alongside us. Each partner validated a different real world use case: - Arf focused on cross-border payments - Rain focused on card settlement - Jia focused on trade finance In early 2024, Huma crossed $1B in transaction volume. It became clear that Arf's regulated infrastructure is critical to onboard larger global payment companies. The two teams merged, combining onchain infrastructure with regulated financial rails. Since then, the network has grown 10x. Solana Foundation was first to recognize PayFi’s potential and offered a partnership to build the category. Huma went all in, rebuilding its stack on Solana, believing global liquidity solutions belong to the fastest growing ecosystem with the highest TPS. Huma 2.0 and PST (PayFi Strategy Token) launched in April 2025, followed by the HUMA token in May with full ecosystem alignment. Partnerships with Jupiter and Kamino helped scale PST, letting everyone on Solana access yield from real world payment flows. Our leadership in the ecosystem was recognized by an invitation to the Genius Act signing ceremony at the White House. Huma now leads the PayFi category with measurable scale: - $12B total transaction volume - $160M active liquidity - 100K+ depositors - PST has become a core onchain yield primitive All of this is to say, thank you. To the teams at Huma and Arf, our investors, and every partner who backed PayFi before it had a name, thank you. To our community, none of this happens without you. As the first PayFi network, we have come a long way in advancing our mission to accelerate the movement of money for a world that is always on. There is still much more to build.
Huma Finance72,893 views • 1 month ago
1/ PST turns One on Solana. - Total supply grew from $0 to $156M - 116,426 total depositors - 8%+ sustainable USDC yield since inception PST brought one of the most stable forms of yield to Solana, yield captured from real world payment flows. Every year traditional banks and the global payment industry processes quadrillions in payment flows, generating trillions in revenue. While Huma's PayFi network is growing the use of stablecoins in these flows, PST aims to accelerate this adoption, making institutional yield opportunities available to the Solana ecosystem. In less than a year, PST became one of the most trusted and widely adopted yield tokens, and keeps growing at a rapid phase. A bedrock onchain yield primitive.
Huma Finance55,106 views • 1 month ago
Huge thanks to all the speakers, sponsors, and attendees who made PayFi Summit NYC 🗽, co-hosted with Solana Foundation during Solana Breakpoint 🇦🇪 Abu Dhabi Dec 11-13—a major success! Your insights, innovations, and passion are actively shaping the future of PayFi. We’re bullish to say that 2025 is the year of PayFi! 🎥 Enjoy the aftermovie below 👇
Huma Finance 🟣54,030 views • 1 year ago
"You can’t build societies in the cloud without first building the economic infrastructure." – Lily Liu (Lily Liu), President of Solana Foundation At PayFi Summit NYC, Lily joined our Co-Founder, Erbil Karaman (Erbil) for a powerful fireside chat from everything PayFi to the true purpose of blockchain: real financial empowerment. By unlocking and organizing the long tail of supply and demand, DeFi lays the foundation for community-based capitalism, just as the internet democratized access to information. Let’s stay grounded in purpose. Let’s build PayFi for the people. 🎥 Watch the full talk:
Huma Finance34,674 views • 1 year ago
“PayFi is Freedom.” That’s how our Co-founder Erbil Karaman (Erbil 🇺🇸🇹🇷) opened his keynote at PayFi Summit NYC Solana Breakpoint 🇦🇪 Abu Dhabi Dec 11-13 and it captures what we’re building at Huma. With nearly $10 billion in PayFi transaction volume, we’re not just imagining a better financial system—we’re actively building it. One that’s decentralized, real-time, and for the world that's always on. Catch Erbil's full keynote here: 🔗
Huma Finance 🟣 🇦🇪 Solana Breakpoint25,694 views • 1 year ago
🚀 We’ve Just Launched Our Season Two Campaign on Solana! Now with a lowered deposit limit—you can join the campaign with just $100 USDC. 👉 Earn up to 20% USDC APY 👉 Receive up to 7x Huma Points Take the first step and change the way finance works for you—and the world. Think big, start small with Huma on Solana. Deposit link:
Huma Finance 🟣14,443 views • 1 year ago
No more content to load