First PayFi (Payment Finance) network providing instant liquidity for real-world payments including cross-border settlements and trade finance. Processed $10B+ in total transactions.
Current APY
11.00%
Total Value Locked
$124.00M
Price
—
Holders
5.5K
Market Cap
—
Yield History
Yield vs Peers
Rank #2 of 9 in Private CreditYield Calculator
| Period | HUMA(11.00%) | Bank Savings(4.5%) | Advantage |
|---|---|---|---|
| 30 Days | +$90.41 | +$36.99 | +$53.42 |
| 90 Days | +$271.23 | +$110.96 | +$160.27 |
| 6 Months | +$548.49 | +$224.38 | +$324.11 |
| 1 Year | +$1,100 | +$450 | +$650 |
Projected returns based on current APY. Actual returns may vary. Not financial advice.
Risk Scanner
4/7 checks passedAudited by null
Moderate counterparty exposure
No KYC — may face future regulatory scrutiny
Moderate liquidity — 124M TVL
Available on 3 chains — well diversified
No lock period — redeem anytime
Very stable — within 5% of 30d average
Protocol Health
Contract Status
Data Feed
Audit Status
Oracle Health
Holder Activity
Reserve Transparency
Entry & Exit Costs
Break-even Insight
On solana, a $1,000 investment at 11.00% APY recovers gas costs (entry + exit) in 1 days.
Key Facts
- Name
- Huma PayFi Network
- Ticker
- HUMA
- Category
- Private Credit
- Platform
- Huma Finance
- Inception
- Jan 1, 2023
- Management Fees
- 0%
Investment Details
- Min. Investment
- None
- Lock Period
- None
- KYC Required
- No
- Accredited Only
- No
- Eligible Investors
- All Investors
- Available Chains
- ethereum, solana, stellar
Market Data
- TVL
- $124.00M
- Price
- —
- Market Cap
- —
- Holders
- 5,500
- 7D APY
- 10.80%
- 30D APY
- 11.20%
- Risk Level
- medium risk
- Audit Status
- audited
Chain Distribution
| Network | TVL | Share | Contract |
|---|---|---|---|
ethereum | $74.40M | 60.0% | — |
solana | $24.80M | 20.0% | — |
stellar | $24.80M | 20.0% | — |
Similar Private Credit Assets
Frequently Asked Questions
What is Huma PayFi Network?
First PayFi (Payment Finance) network providing instant liquidity for real-world payments including cross-border settlements and trade finance. Processed $10B+ in total transactions.
What is the current yield on HUMA?
HUMA currently offers 11.00% APY. The 7-day average is 10.80% and 30-day average is 11.20%.
Is HUMA safe?
HUMA has a medium risk rating and a tokenomics score of B. It is audited by null. Always do your own research before investing.
How do I buy HUMA?
HUMA is available on ethereum, solana, stellar. No KYC is required. No minimum investment.
What chains is HUMA available on?
HUMA is deployed on Ethereum, Solana, Stellar. Each chain may have different liquidity levels and gas costs.
Last updated: Mar 28, 2026, 4:34 AM