We couldn’t be more excited to bring Huma Finance to the Jupiter community. Countless conversations since Catstanbul revealed our shared goals, and ethos, helping us forge mutual trust and respect with many of you.
From spending time with the Jupiter core team and contributors at conferences, and community calls, to co-designing the DeFi building blocks for Huma 2.0, we’ve felt the heartbeat of this ecosystem firsthand. We’ve seen the conviction, the velocity, and the belief that this isn’t just another crypto protocol — it’s a movement to build a radically better financial system. And we see Huma as deeply aligned with that.
Our goal here is not just another launch on Jupiter, but a long term partnership in building DeFi that solves everyday financial problems for the masses.
Huma is leading the PayFi Revolution
Huma is the first PayFi network, accelerating global payments with instant access to liquidity, while making institutional-grade yield opportunities accessible in DeFi.
The network consists of the PayFi infrastructure layer and a suite of killer apps, from first party apps that we own like Arf to third party apps like Rain Card.
We address four major market inefficiencies:
1. Inefficient and Expensive Cross-Border Payments
Traditional global payments rely on correspondent banks and pre-funding accounts, leading to delays, high costs, and idle capital. SWIFT stops working when banks close. Huma enables 24/7 instant payments using stablecoins and DeFi-sourced liquidity—eliminating the need for pre-funding and correspondent banking entirely. Both Fireblocks and Circle has written case studies about how our regulated entity Arf solves these problems.
2. Delayed Credit Card Settlement for Merchants
Merchants often wait days to receive funds from credit card transactions, impacting cash flow. Working with stablecoin backed card platforms like Rain Card, Huma is able to provide liquidity for real-time settlements, giving merchants immediate access to funds and improving their financial agility.
3. Lack of Sustainable, High-Yield Investment Options
LPs struggle to find sustainable, double-digit yield opportunities both in TradFi and DeFi. Huma generates 10–20% APY consistently by charging 6-10bps per day to institutions accessing liquidity on its platform.
Huma distributes this yield through its liquid LP token PST (PayFi Strategy Token), which we built specifically for Solana, partnering with Jupiter, Kamino, and RateX. PST brings real-world, yield-bearing assets into the Solana ecosystem and connects off-chain payments with on-chain liquidity, amplifying crypto’s impact at unprecedented scale.
4. Siloed and Inflexible Infrastructure
Legacy payment systems — and even blockchain-based ones like Ripple — are rigid, centralized, and require proprietary chains, assets, and custody.
Huma’s Open PayFi Stack enables flexible, composable, permissionless solutions that unlock the full potential of the internet of money.
Traction
- Total Transaction Volume : $4B+ (growing $500M+ m/m)
- Total Active Liquidity : $100M+
- Annualized Revenues : $9M+
- Total depositors : 48,000+ (grew 9x since the Huma 2.0 launch last month)
These metrics and more can be accessed through the Dune dashboard.
Team
Huma founders are successful serial entrepreneurs and tech executives from Silicon Valley, having built their reputation by leading massively successful projects at Google, Facebook and Lyft. Before Huma, they have led the rapid growth of EarnIn, the leading fintech in consumer payment financing, to $10B+ annual volume. Huma merged with Switzerland based Arf in 2024, bringing in-house a group of global payments experts who has built one of the first regulated stablecoin settlement layers used by Tier-1 payment institutions. Huma’s Chief Business Officer is one of the world’s leading tokenization and digital asset compliance experts, participating in policy efforts both in the US and UAE.
Huma Tokenomics
We’re sharing the topline overview of the token structure to be transparent and aligned with the community ahead of launch.
Token Supply
- Total Supply: 10,000,000,000
- Ticker: [redacted]
- Jupiter Presale Valuation: $75M FDV
- Distribution: Unlocks 3-months after
Token Utility
- Staking rewards
- Buyback/burn mechanism using excess revenues
- Participate in governance over incentives, and fee distribution
- Priority access to protocol features
The Jupiter Presale valuation is proposed at a steep discount compared to our Series A last year — providing a strong alignment opportunity ahead of what we expect to be a higher-priced public launch.
Proposal to JupDAO
We propose to be the first launch partner on Jupiter’s new presale platform, setting a new precedent for serious, high-integrity projects committed to on-chain value creation.
To underline that partnership, we propose the following:
A) Presale for JUP stakers
- 1% of total supply available only to JUP stakers.
- The larger the stake, the larger the presale-allocation.
- Tokens will be locked for 3 months post-TGE.
- Goal: maximize participation from aligned long-term holders.
B) DAO-to-DAO Treasury Swap
- Amount: $250K worth of Huma tokens for $250K worth of JUP
- Valuation: $75M FDV for Huma tokens
- Lockup: 1 year
C) Jupiter Community Activation
- We’re requesting collaboration more so than capital.
- Help us ensure the Huma launch becomes a true community moment
- Propose launch strategies.
- Create memes, threads, spaces.
- Inject your signature Jupiter vibes into the process.
- In return, we commit to building long-term with this community.
A Historic Opportunity
This is a chance to unite two communities that share the same values: permissionless systems, global inclusion, and real-world utility. Let’s set the bar for what DeFi can be — and let’s do it together.
Let’s bring PayFi to Jupiter.
—The Huma Finance Team
web: https://huma.finance/
docs: https://docs.huma.finance/
dune: Huma Overview
X: @humafinance
