Proposal for Jup DAO Alliance: Huma Finance

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

116 Likes

Let’s goooooooo!!!

14 Likes

This is absolutely awesome and truely what I’ve been looking for!

I don’t think Jupiter could have had a better partner to have launched on their new launchpad first.

This is super exiting. Huma are building something special.

This would be dope to see. Having JUP Stakers hold Hima token token will be the perfect bridge.

In the grand scheme of things 250 isn’t too many tokens. We could defs afford to do this trade and don’t see why why wouldn’t. :slight_smile:

We have a lot of talented people of at JUP Dao and uplink. Maybe we could launch some super team bounties for memes and content?

27 Likes

LFGG!! Bullish on Huma Finance

14 Likes

LETS GO! HUMA It was a pleasure in catstanbul! And now it’s with us. :orange_heart: :house:

11 Likes

W erbil. Let’s Gooooooo
Already using Huma Finance goody bag everywhere :face_with_peeking_eye::joy:

6 Likes

I think we should wait to see how the HUMA token does before swapping an over-1-year-old token for an infant token. Swapping at a 1:1 ratio is another cause for alarm. I’m not against the collab, but I think JUP stands to lose more in this collab. I’m game for PPP, but it has to be worth the risk.

16 Likes

Lets goo!
Love Huma, and this proposal is awesome.
Am Bullish >>

2 Likes

This is top tier. Now we just need some Jup x Huma collab merch.

1 Like

If they would want people from the DAO, a bounty on earn, wouldn’t be for the DAO alone but the whole ecosystem, isn’t there any way it could be done, like probably an internal bounty?:woozy_face:

2 Likes

I agree with you.
Not against the collab but the 1:1 swap can be very risky now, I’d rather wait too

8 Likes

Surely you can do better HUMA?

1% was previously charged as a flat fee for projects launching on the old LFG launchpad & distributed for free to stakers.

Would be nice to see 2.5% available to purchase for the greatest OG solana community there is, especially as you’re the first on the new launchpad.

LFG

18 Likes

GHUMA till die :star_struck: :star_struck: :star_struck:

Excited for this collaboration.

The FDV is $75M, but what really matters to us is the ICS (Initial Circulating Supply). Because if it’s 10%, that means a $7.5M market cap.

Previously, tokens like Shark, which did an IDO here, crashed hard after launch. If we had bought those, we would have taken heavy losses.

So we need to know the ICS before making any decision.

20 Likes

I truly valued this thoughtful collaboration. I throw my wow …

1 Like

i am sorry but all LFG are under TGE price so something is wrong ,token should never go under TGE

2 Likes

In what ways does Huma’s PayFi infrastructure truly improve on existing cross-border payment protocols like Ripple? :slight_smile:

3 Likes

Let’s go.
As Jup staker, it is awesome to join Huma Token presale at $75M FDV valuation.

3 Likes

It sounds like an outstanding proposal. Especially for JUP holders in the community at large. Reducing the fees on merchant accounts sounds like a great process as I was in the merchant account business at one time. Looking forward to being in on the nearly ground floor of the stakeholder launch in the near future.

3 Likes