Huma Finance 2.0 officially logs in to Solana, bringing composable real yields to DeFi users.

Original source: Huma Finance

Huma Finance, the first payment financial network, today announced the launch of Huma 2.0, a permissionless, compliant, and composable real yield platform built on Solana. This platform opens up stable real yields generated from global payment financing arising from everyday commercial trade activities to users worldwide, marking a significant advancement—previously hard-to-access double-digit stable yield categories outside the institutional finance realm can now be widely available to individual users. The existing licensed service has been renamed Huma Institutional, continuing to serve institutions and accredited investors. Users can start depositing immediately on the new Huma 2.0 platform.

Huma 2.0 provides users with a variety of ways to participate in liquidity provision, launching two main modes to meet different needs: the Classic Mode is designed for users seeking stable double-digit USDC returns (currently annualized at 10.5%, updated monthly), while also offering a basic reward called Huma Feathers; the Maxi Mode is suitable for users looking to maximize the accumulation of Huma Feathers, offering a 5x baseline reward rate (but does not earn USDC returns). Users can switch the mode of their existing positions at any time.

The composability of DeFi is a core feature of Huma 2.0, achieved through the payment of the PayFi Strategy Token (PST). This liquid yield-generating LP token allows holders to integrate their Huma positions with leading protocols in the Solana ecosystem. At launch, users can exchange PST for USDC through the aggregator Jupiter, marking the first step in a series of integrations with top Solana DeFi platforms. Subsequently, support will soon be available for using $PST as collateral on Kamino and trading future yields through RateX. Participation does not require locking up funds, but users can choose a 3-month or 6-month term to significantly enhance their Huma Feather rewards through a multiplier. It is worth noting that during the initial launch phase, these reward multipliers will be significantly increased as a limited-time promotion, with particularly substantial bonuses in turbo mode. These features provide users with greater flexibility and options in managing their positions.

In just two years, Huma Finance’s payment financial network has rapidly formed economies of scale, processing over $3.8 billion in transactions and generating $8 million in annual revenue. Huma assists partners in generating income from their payment financial operations. Unlike DeFi yields that rely on token incentives, market speculation, or traditional finance’s low interest rates, payment financial yields directly stem from the fees paid by businesses using the network for payment financing and settlement liquidity. Funds typically circulate quickly within days, continuously compounding from fees generated by real economic activities. This mechanism enables Huma to consistently offer stable double-digit USDC yields, with its sustainable model endorsed by top investors and recognized by industry analysts such as Messari — payment finance is expected to tap into a market size of $30 trillion.

“Huma 2.0 is not just another yield product - it represents a structural transformation.” said Erbil Karaman, co-founder of Huma Finance, “By providing payment institutions with a new type of liquidity source that operates 24/7 and has astonishing capital efficiency, we are creating a new kind of yield rooted in real economic activity, with composability and transparency. It finally allows DeFi to tap into yield sources that have long been monopolized by institutional investors, while not undermining the core advantages of DeFi at all.”

The launch of Huma 2.0 comes at a significant transformational period for the global financial and DeFi ecosystem. As traditional payment infrastructures like SWIFT face challenges in speed and transparency, trillions of capital remain in inefficient allocation, the demand for modern blockchain-based solutions is increasingly evident—reports indicate that the annual trading volume of stablecoins has surpassed $35 trillion. Huma 2.0 seizes the opportunity to provide efficient settlement liquidity, allowing individuals worldwide to benefit from basic financial activities—such opportunities were previously mainly limited to institutional participants.

The key point is that the revenue generated from payment finance does not fluctuate with the cycles of the cryptocurrency market. Regardless of whether the market is booming or sluggish, underlying economic activities such as payment trading continue to operate, providing a stable source of revenue for Huma. This makes double-digit stable returns particularly valuable in a bear market—showing an advantage when speculative gains diminish. As DeFi matures, the market is ready for revenues rooted in real business (rather than token speculation). Payment finance, as a foundational layer, is giving rise to new DeFi strategies, such as Splyce’s recently launched Solmate product—combining Huma’s $PST revenue with SOL liquid staking, bridging decentralized finance and productive economic use.

Huma 2.0 marks a key step in building a new financial future, fundamentally expanding the scope of the financial revolution through open and equal participation. Early participants can enjoy various reward multipliers, including historical deposit user bonuses and promotional bonuses. As the platform expands more DeFi integrations, it plans to become the first major project of Jupiter’s LFG 2.0 launch platform—Huma continues to create a truly inclusive financial system.

For more information about Huma 2.0 or to participate, please visit this link or follow @humafinance on the X platform.

About Huma Finance

Huma is the first payment finance (PayFi) network that adopts an open liquidity protocol stack, covering key application areas such as cross-border payments, stablecoin debit cards, and trade financing. The network targets a market with a total size of over $30 trillion, dedicated to accelerating the flow of funds for a world that never stops.

This article is contributed and does not represent the views.

：