What is Huma Finance?

Huma is a decentralized payment financing network built on the Solana blockchain and other platforms. It provides infrastructure that enables organizations and individuals to access financing against future payments or accounts receivable, as well as to conduct settlements in stablecoins 24/7.

Key components of Huma:

• Huma Protocol — a modular infrastructure for payment financing and lending secured by real-world assets such as future receivables or invoices.

• Platform applications — both native and third-party solutions that use the protocol for various use cases, including cross-border payment financing and factoring.

• Stablecoin liquidity — users can deposit USDC and earn returns generated from fees on real payment transactions rather than token issuance.

• Two operating modes — permissionless for retail investors and permissioned for institutional clients with access to curated credit products.