Huma Finance

Huma Finance has revealed its updated yield breakdown for users: **Key Rates:** - Institutional-grade USDC APY: **8%** - Defensive looping APY: **5-7%** (applies to all current Prime positions, subject to periodic adjustment) - Additional Huma rewards available based on OG status, Vanguard multipliers, and staked $HUMA The defensive looping rate applies to existing Prime positions and may be adjusted periodically. Variable rewards are available for users with special badges and staked tokens. This represents a shift from the previous Classic base APY of 9% announced in October 2025, which offered up to 25.9% total APY with maximum multipliers. [View announcement](https://x.com/humafinance/status/2008135356114505730?s=20)

Huma Finance has reached $10 billion in PayFi transaction volume on Solana, marking 3.4x year-over-year growth from $2.9B. The milestone comes with zero defaults across all transactions. **Key Developments:** - **Huma Prime** vault now open for public deposits, offering up to 26% APY through a Defensive Looping strategy - Yields backed by real-world payment flows via PayFi Strategy Token ($PST) - Partnerships with Jupiter and Kamino for liquidity deployment **2026 Goals:** - Scale to $25B+ total transaction volume - Reach $500M+ in total active liquidity - Embed PayFi into major payment networks - Expand into trade finance The protocol has grown from 5K to 97K depositors since launching Huma 2.0 in April. Major payment companies including PayPal, Western Union, Revolut, and Fiserv are building on Solana's PayFi infrastructure, which has seen 755% YoY growth in total payments volume.

**Stablecoin transaction volume reached $10T in January 2026**, with USDC processing over $8T of that total. **Huma's three-year journey with USDC:** - 2023: Partnered with Circle to deliver USDC liquidity solutions - 2024: Scaled partners like ARF and Raincards, achieving $1B in total transaction volume - 2025: Advocated for the GENIUS Act and became the first embedded credit solution for Circle's payments network Huma's on-demand liquidity infrastructure has grown alongside institutional adoption of stablecoins. The platform now serves as a **liquidity engine for real-world USDC applications** including: - Cross-border payments - Card programs - Merchant payouts - Trade finance

At Catlumpurr Day 3, Huma co-founder Erbil outlined the company's roadmap toward $10 billion in PayFi transactions and announced several product developments. **Key Announcements:** - New ODL (on-demand liquidity) product launching - Embedded PayFi infrastructure for scaling user onboarding - Strategic focus on rare earth minerals financing - PST/JupUSD lending caps reached capacity within minutes of opening - JupSOL integration coming to Huma Reserve - Partnership with Jupiter Global for everyday payment solutions The presentation addressed current inefficiencies in traditional money movement systems and positioned PayFi as an alternative infrastructure for financial transactions.

**PayFi adoption accelerates globally** as institutional and payment sector demand grows significantly following recent regulatory developments. Key developments from Binance Blockchain Week: - **Genius Act** unlocked major institutional interest in PayFi solutions - **Geographic expansion** from U.S. markets into Middle East regions - **T+0 settlements** positioned as the future standard for payment processing The momentum represents a shift toward **instant settlement infrastructure** that could reshape traditional payment financing systems.

Jessica (@jessc2049) has been recognized as one of the **top 35 key crypto hires** in the industry. She's strengthening the company's mission to bring **PayFi global** by focusing on: - Partnerships with financial institutions - Collaborations with fintech companies - Business expansion across APAC region The team is actively networking at **Binance Blockchain Week**, connecting with industry professionals interested in PayFi's potential to transform global financial markets. *Visit booth G9 for limited merchandise and team discussions.*

**PayFi** is generating significant buzz at Binance Blockchain Week, with industry professionals gathering to discuss its potential to **transform global financial markets**. Key highlights: - Live networking and discussions happening at **booth G9** - Limited merchandise available for attendees - Direct team interactions and PayFi deep dives The excitement builds on previous PayFi Summit discussions where experts explored how blockchain infrastructure addresses **international commerce challenges**. Panelists from Stripe, Nuvei, and other major players discussed enabling rapid global business scaling through decentralized, permissionless commerce. *Visit booth G9 to connect with the team and explore PayFi's role in the future of global finance.*

**Huma Finance has reached 100,000 depositors** on its PayFi platform, marking a significant milestone for the protocol. The platform continues delivering **sustainable USDC yield on Solana**, backed by real-world payment flows between financial institutions. **Key metrics:** - 100K+ depositors ("PayFi believers") - $8B+ in total transaction volume - 19x growth since Huma 2.0 launch in April - Institutional-grade yield regardless of market conditions Huma's PayFi network accelerates cross-border payments, merchant payouts, and card settlements by connecting payments with on-chain liquidity. The protocol emphasizes that its yield comes from **real-world transactions**, not speculative trading, providing sustainable returns during both bull and bear markets.

Huma Finance outlined their packed December event schedule across the UAE and Solana ecosystem. **Key Events:** - **Binance Blockchain Week** (Dec 3-4): Gold+ sponsor with booth G9, Co-Founder speaking on Real-World Impact panel - **Abu Dhabi Finance Week** (Dec 8-11): Partnership meetings focused on PayFi and stablecoins growth - **Solana Breakpoint** (Dec 11-13): Co-Founder presenting insights on Huma and PayFi, plus new product reveals The team is also co-hosting the **Solana Money Summit** exploring DeFi, PayFi, and stablecoins convergence on Solana. Attendees can visit booth G9 for exclusive merchandise and networking opportunities with the Huma team.

**PayFi Summit Singapore** announces its latest speaker lineup featuring key policy and regulatory voices: - **Patrick Campos** - CBO - **Seth Hertlein** - Global Head of Policy at Ledger - **Peter Loo** - Former Vara Dubai Regulator & General Counsel - **Merris Badcock** - VP of Industry Relations at Digital Chamber The summit focuses on **stablecoins, policy, and payments** infrastructure. Co-hosted with Solana Foundation during TOKEN2049. 📍 **October 1 | Mandarin Oriental, Singapore** [Register now](https://lu.ma/6z717qxo)