Huma @humafinance launched a new pool this morning, and it was gone as soon as it opened.
Single transaction limit of 10wu, deposit $USDC directly on Solana. Not sure if there will be another round, but it feels like the TGE might happen next month.
⬩ Classic Mode: Earn 10.5% APY and get up to 5x bonus points for a 6-month lock-up.
⬩ Maxi Mode: No points at all, but earn 17.5x points for a 6-month lock-up.
🌟 Don't forget to submit this!
If you participated in Scroll, Galxe, or Discord Odyssey, make sure to submit your address by the 16th.
Project Updates:
Next week, @humafinance will co-host the PayFi Summit, a crypto payment summit, with the Solana Foundation. Top protocols on Solana, such as @JupiterExchange, @Paxos, and @Stablecoin, will be present.
The boss @DrPayFi initiated a vote yesterday, planning three reward distributions for @kaitoai: at the time of the TGE, 3 months later, and 6 months later.
Most votes went to the "Mix of 30d, 90d & 12m" option. This phased reward design helps maintain community engagement but has also sparked some discussions.
Matching promotion and reward pacing: Huma's promotion should cover the 3 months leading up to the TGE, tracing back to phases 1.0 and 2.0, while aligning with the token reward schedule (e.g., quarterly or semi-annually) to form a complete system. Current KOL promotions are effective but overly reliant on major influencers, leaving smaller promoters like me without much incentive.
Balancing KaitoAI promoters and genuine community users: @KaitoAI, as an excellent promotion platform, tends to reward high-traffic KOLs, but many marketing accounts lack original content and profit solely from reposting. Huma should reduce the reward weight for such users and prioritize incentivizing those who genuinely provide liquidity and support the project.
Rewarding the true community core: The success of the PayFi track depends on users who support the project with real money. Small investors like me, who not only participate in liquidity pools but also actively promote the project, deserve a place in the reward system. Huma could consider designing exclusive points or token incentives for users who provide liquidity.
Huma @humafinance is a project continuously called by @dov_wo after sign. My intuition tells me I absolutely cannot miss this.
Recently, Huma has surged to the top of @KaitoAI's Pre-TGE list. The Huma 2.0 pool was fully subscribed within 24 hours of opening, with a trading volume exceeding $3.8 billion. After merging with Arf, Huma's cross-border payment capabilities have significantly increased, and it plans to expand into the Stellar ecosystem while exploring DePIN financing.
🪂 Huma big airdrop incoming
🔗:
Funding strategy: Deposit USDC into the Huma protocol
Classic mode: 10.5% annual yield + Feathers points (linked to $HUMA airdrop, 1x/3x/5x multiplier)
Maximus mode: 0% annual yield, 5x/10.5x/17.5x Feathers rewards, locked for 3/6 months, up to 25x multiplier
The core strategy is to deposit USDC, but currently, the two pools are full, so you need to wait for new capacity. This control is good; it's better than having no limit and ending up with losses.
📌 Feathers points estimation
Huma's Feathers points are key to participating in the $HUMA airdrop.
For every 1 USDC deposited, you earn approximately 3 Feathers (average value based on 94 million Feathers allocation).
If the total airdrop value is $40 million, each Feather is worth approximately 0.319 USDC (i.e., 3.13 USDC per Feather).
Classic mode is suitable for stable returns (10.5% annual yield + Feathers), while Maximus mode offers higher Feathers multipliers (up to 25x) but comes with lock-up risks.
📌 Project introduction
Huma's core focus is addressing the pain points of traditional finance: slow SWIFT cross-border payments, high fees, and long settlement periods. Leveraging Solana's low cost ($0.00025 per transaction) and 400-millisecond confirmation speed, Huma provides instant settlement for businesses. In 2024, Huma processed $3.8 billion in transactions, generating $8 million in revenue, with projected revenue reaching $30 million in 2025 and maintaining a 0% default rate. Through the Arf platform, Huma taps into the $4 trillion cross-border payment market, with returns derived from real-world businesses (e.g., remittances, trade financing), offering annual yields of 10-15%, with 80% of revenue distributed to LPs.
📌 Huma's key advantages
> Real returns: Returns anchored to global trade cash flow, not tokenized notes, resistant to market volatility.
> Inclusive design: 1 USDC minimum deposit, allowing retail and institutional investors to share profits in the same pool. $PST tokens can earn yields on Jupiter and Kamino.
> Hardcore products: Huma 2.0 offers revolving credit and accounts receivable factoring. Classic mode provides stable USDC returns + Feathers points (linked to $HUMA airdrop), while Maxi mode offers up to 25x Feathers rewards for 3/6-month lock-ups.
> Open framework: PayFi Stack integrates transactions with compliance, lowering the entry barrier for businesses and potentially becoming an industry standard.
Huma is also exploring DePIN financing, targeting the trillion-dollar decentralized infrastructure market.
📌 Funding and team
Huma has secured $38 million in funding ($10 million equity + $28 million RWA), led by Distributed Global, with participation from HashKey, Folius Ventures, Stellar Foundation, and Turkey's İşbank venture arm TIBAS Ventures. The team is led by co-founders Richard Liu (7 years as a Google engineer) and Erbil Karaman (Facebook growth expert), with 10 core members combining financial and blockchain expertise, backed by Circle and Fireblocks.
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