San Francisco, USA/California, April 10, 2025, Chainwire
Huma Finance, the first PAYFI network, has announced the launch of Huma 2.0, an unauthorized, compliant, configurable real-yield platform built on today’s Solana. The launch will launch global access to HUMA’s stable real yield through global payment funds related to daily commercial and trade activities. By leveraging paid mechanisms, this development broadens individual access to stable real-world yields historically common in facility finance. At the same time, existing permitted services have been rebranded as HUMA institutions to continue the institution and accredited investors. Users can immediately begin depositing to the new Huma 2.0 platform.
HUMA 2.0 offers users an alternative way to join as a liquidity provider. It introduces two main modes to accommodate a variety of user settings. Classic mode is designed for a stable double-digit USDC yield (updated monthly) combined with a reward called Huma Feathers. Maxi mode is tailored for users who aim to maximize Huma Feathers accumulation without receiving USDC yields, earning a reward of 5x the base rate. Users can switch between existing location modes at any time.
Defi Composability is also a core feature of Huma 2.0 enabled by $PST, and stands for PayFi Strategy Token. This liquid, yield-containing LP token allows holders to integrate HUMA’s location with Solana’s main protocols. At launch, users can exchange $PSTs on USDC via Jupiter. This is the first of several planned integrations with the Top Solana Defi platform. Support for trading future rewards via Ratex using $PST as collateral for Kamino is expected immediately after launch. Although participation does not require capital lockup, users can choose the 3-month or 6-month condition to significantly increase Huma Feather’s reward via multiplier. Especially during the initial boot period, these multipliers rise significantly as part of a limited promotion, providing a particularly high boost in Maxi mode. These features allow users to have more flexibility and choice to manage their positions.
In just two years, Huma Finance’s PAYFI network has rapidly achieved significant scale, processing more than $3.8 billion in transactions, generating $8 million in annual revenue. HUMA supports our partners to generate yields from our PAYFI operations. Unlike Defi yields, Payfi yields often rely on token incentives, market speculation, or the usual low rates of traditional finance, so Payfi yields arise directly from fees paid using the network for payment financing and settlement liquidity. Capital quickly recycles competitive costs generated from concrete economic activities. This mechanism allows HUMA to consistently offer stable double-digit USDC yields, presenting a sustainable model that has been further tested by support from key investors and recognition from industry analysts like Messari about Payfi’s potential to address the $30 trillion market.
“Huma 2.0 is not just a yield product, it’s a structural change,” said Erbil Karaman, co-founder of Huma Finance. “By giving payment institutions a new source of liquidity that operates 24/7 with incredible capital efficiency, we are creating a new type of yield based on complexity, transparency and actual economic activity.
The launch of HUMA 2.0 occurs amid a major change in global finance and the Defi Landscape itself. Legacy payment infrastructures like Swift face challenges of speed, transparency and capital, but the demand for modern blockchain-based solutions becomes clear. HUMA 2.0 will leverage this shift to provide efficient settlement liquidity for individuals around the world to acquire from basic financial activities and expand access. This was primarily limited to institutions.
Importantly, the yield generated via PayFi is designed to be independent of the crypto market cycle. Whether the market is booming or sluggish, economic activity such as payments and trade could continue, providing a more stable foundation for Huma’s harvest production. This structure could make double-digit returns more relevant in bare markets where speculative yields often drop. As Defi matures, this type of yield is ready. This is based on tangible commercial transactions, not on token speculation. Payfi serves as a foundation layer, enabling new Defi strategies like Splyce’s recent Solmate products. This bridges Huma’s $PST yield and Sol Liquid Staking with productive economic use.
HUMA 2.0 is a key step in building a new financial future, and will fundamentally expand participation by inviting everyone to a financial revolution where access is open and fair. Early participants can benefit from a variety of reward multipliers, including previous HUMA depositors and partner communities boosts. As the platform expands, more integrations will expand and plans to become Jupiter’s LFG 2.0 Launchpad’s first major project – Huma continues to build truly accessible funds.
For more information about HUMA 2.0 or join, users can visit https://huma.finance or follow @humafinance on X.
For media enquiries, users can contact ejiro oviri, ejiro@huma.finance.
About Huma Finance
HUMA is the first PAYFI (payment finance) network. It features an open stack liquidity protocol with applications in key areas such as cross-border payments, cards with Stablecoin, and trade finance. The network handles a total market estimated to exceed $30 trillion. Its mission is to accelerate the ever-present global money movement.
Huma is the source of this content. This press release is for informational purposes only. Information does not constitute investment advice or investment offers.
contact
Brand Marketing Director
Egiro
Huma Finance
ejiro@huma.finance
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