Huma Finance: Getting Paid the Moment the Payment Clears
82% of small businesses fail because of cash flow, and payment systems built decades ago for a slower world are a large part of why. A business waits to be paid even after its customer has paid.
Huma Finance starts with real-world financial data like invoices and revenue, verified by trusted partners and made usable onchain. Liquidity providers fund those receivables and earn the yield the delay used to cost, so a business is paid when its customer pays rather than days later.
The protocol has processed over $19 billion in cumulative transaction volume, and every loan extended through it since inception has been repaid in full. Its PayFi Strategy Token became the largest yield-bearing asset on Solana in September 2026.
Originally produced in July 2025. Some details may have changed since.
Website: https://huma.finance
X: @humafinance: https://x.com/humafinance · CEO Erbil Karaman @0xErbil: https://x.com/0xErbil
solana.com: State of Solana, February 2026: https://solana.com/news/state-of-solana-february-2026 · March 2026 Roundup: https://solana.com/news/solana-ecosystem-roundup-march-2026 · Breakpoint 2025: https://solana.com/news/solana-breakpoint-2025
Bits to Bricks: "Huma Finance: How Stablecoins Are Rewiring Global Payments" with Erbil Karaman, 2026-09-21 https://solana.com/podcasts/bits-to-bricks-with-amira-valliani/episodes/huma-finance-how-stablecoins-are-rewiring-global-payments-e3p65ig
Messari Fully Diluted: "PayFi Deep Dive With Huma and Solana"…
