The Good Tech Companies - Huma Finance 2.0 Launches On Solana, Bringing Composable Real Yield To DeFi Users

Episode Date: April 10, 2025

This story was originally published on HackerNoon at: https://hackernoon.com/huma-finance-20-launches-on-solana-bringing-composable-real-yield-to-defi-users. This launch opens global access to Huma's stable real yield from global payment financing related to everyday commerce and trade activities. Check more stories related to web3 at: https://hackernoon.com/c/web3. You can also check exclusive content about #web3, #huma-finance, #chainwire, #press-release, #huma-finance-announcement, #blockchain-development, #crypto-yields, #good-company, and more. This story was written by: @chainwire. Learn more about this writer by checking @chainwire's about page, and for more stories, please visit hackernoon.com. Huma Finance, the first PayFi Network, announced the launch of Huma 2.0, a permissionless, compliant, and composable real-yield platform built on Solana today. This launch opens global access to Huma's stable real yield from global payment financing related to everyday commerce and trade activities.

This audio is presented by Hacker Noon, where anyone can learn anything about any technology. Huma Finance 2.0 launches on Solana, bringing composable real yield to DeFi users, by Chainwire. San Francisco, United States, California, April 10, 2025, Chainwire, Huma Finance, the first PayFI network, announced the launch of Huma 2.0, a permissionless, compliant, and composable real-yield platform built in Solana today. This launch opens global access to Huma's stable real-yield from global payment financing related to everyday commerce and trade activities. This development broadens individual access to stable, real-world yield, historically more common in institutional finance, by leveraging

payment financing mechanisms. Simultaneously, the existing permissioned service has been rebranded as Huma Institutional to continue serving institutions and accredited investors. UserScan begin depositing on the new Huma 2.0 platform immediately. Huma 2.0 offers users alternative ways to participate as liquidity providers. IT introduces two primary modes to cater to different user preferences. Classic mode, designed for those seeking stable, double-digit USDC yield, updated monthly, combined with rewards called Humma Feathers.

And Maxi mode, tailored for users aiming to maximize their accumulation of Humma Feathers, earning rewards at 5x the base rate, without receiving USDC yield. Users can switch the mode of their existing positions at any time. DeFi Composability is also a core feature of Huma 2.0, enabled by the $PST, short for PayFI Strategy Token. This liquid, yield-bearing LP token allows holders to integrate their HUMMA positions with leading protocols on Solana. At launch, users can swap $PST for USDC via Jupiter, the first of several planned integrations with top Solana DeFi platforms.

Support for using $PST as collateral on Camino and trading future rewards via rate X are expected shortly after launch. While participation does not require capital lockup, users can opt for 3-month or 6-month terms to significantly boost their Huma feather rewards via multipliers. Notably, during the initial launch period, these multipliers are significantly elevated as part of a limited time promotion, offering particularly high boosts in maxi mode. These features offer users enhanced flexibility and choice in managing their positions. In just two years, Huma Finance's PayFI network has rapidly achieved significant scale, processing

over $3.8 billion in transactions and generating $8 million in annualized revenue. Huma supports its partners to generate yield from their PayFI operations. Unlike DeFi yields often reliant on token incentives, market speculation, or typically low rates in traditional finance, PayFI yield originates directly from fees paid by businesses using the network for payment financing and settlement liquidity. Capital is recycled rapidly, often within days, compounding fees generated from tangible economic activity. This mechanism has enabled Huma to

consistently deliver stable, double-digit USDC yields, showcasing a sustainable model further validated by backing fromleading investors and recognition from industry analysts like Massari regarding PFI's potential to address a $30 trillion market. Greater than, Huma2. Zero isn't just another yield product, it's a structural shift," said Erbil Karaman, co-founder of Huma Finance. By giving payments institutions a greater than new source of liquidity that operates 24-7 with incredible capital efficiency, greater than we are creating a new type of yield that is composable, transparent, and greater than grounded in real economic activity. It finally gives DeFi access to a source greater than of returns that institutions have kept to themselves for decades,

and it does greater than so without compromising on what makes DeFi powerful. The launch of Huma 2.0 comes during significant shifts in global finance and within the DeFi landscape itself. While legacy payment infrastructures like Swift face challenges with speed and transparency and trillions in capital remain inefficiently allocated, the demand for modern, blockchain-based solutions is clear, evidenced by stablecoin transaction volumes recently reaching a reported $35 trillion. Humma 2.0 leverages this shift, providing efficient settlement liquidity and broadening

access for individuals worldwide to earn from foundational financial activities, an opportunity previously confined mainly to institutions. Crucially, the yield generated through PayFI is designed to be less dependent on crypto market cycles. Whether markets are booming or in a downturn, economic activities like payments and trade may continue, potentially offering a more restable foundation for whom is yield generation. This structure may make double-digit returns more relevant during bear markets, where speculative yields often decline.

As DeFi matures, there is a readiness for this type of yield, one grounded in tangible commerce rather than token speculation. PayFI serves as a foundational layer, enabling new DeFi strategies like the recent Soulmate product from Splice, which combines Huma's dollar PST yield with Sol Liquid staking, bridging decentralized finance with productive economic use. Huma 2.0 marks a key step in building a new financial future, fundamentally expanding participation by inviting everyone into a financial revolution where access is open and fair. Early participants can benefit from various reward multipliers, including boosts

for prior Huma depositors and partner communities. As the platform expands with more DeFi integrations and plans to be the first major project on Jupyter's LFG2.0 Launchpad, Huma continues to build finance that is truly accessible. To learn more about Huma 2.0 or participate, users can visit https://huma.finance or follow at humafinance on X. For media inquiries, users can contact, Agiro Overy, Agiro at Humafinance. Finance About Humafinance Huma is the first PayFI payment finance, network. It features an open-stack liquidity protocol with applications for key areas like cross-border

payments, stablecoin-backed cards and trade finance. The network addresses a total market estimated at over $30 trillion. Its mission is to accelerate the movement of money for world that's always on. Humma is the source of this content. This press release is for informational purposes only. The information does not constitute investment advice or an offerto invest. Contact Director of Brand Marketing Ejiro Huma FinanceEjiro at Huma Finance Tip This story was distributed as a release by Chainwire under Hacker Noon's business blogging program.

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