**Exciting News from San Francisco: Huma Finance Unveils Huma 2.0!**
On April 10th, 2025, Huma Finance, the pioneering PayFi Network, proudly announced the launch of Huma 2.0, a user-friendly, permissionless, and compliant real-yield platform built on Solana. This innovative platform opens the door for global access to Huma’s stable real yield, derived from payment financing linked to everyday commerce and trade activities. With this launch, individuals can now tap into stable, real-world yields that have traditionally been the domain of institutional finance, all thanks to smart payment-financing mechanisms.
In tandem with this exciting development, the previous permissioned service has been rebranded as Huma Institutional, ensuring that institutions and accredited investors continue to receive top-notch service. Users can start depositing on the new Huma 2.0 platform right away!
Huma 2.0 introduces fresh and flexible ways for users to engage as liquidity providers. It features two main modes to suit different preferences: Classic Mode, perfect for those looking for a stable, double-digit USDC yield (updated monthly) along with rewards known as Huma Feathers; and Maxi Mode, designed for users eager to maximize their Huma Feather accumulation, earning rewards at five times the base rate, without the USDC yield. Plus, users have the freedom to switch modes for their existing positions whenever they like!
A standout feature of Huma 2.0 is its DeFi composability, made possible by the $PST, or PayFi Strategy Token. This liquid, yield-bearing LP token allows holders to seamlessly integrate their Huma positions with leading protocols on Solana. At launch, users can easily swap $PST for USDC through Jupiter, marking the first of several exciting integrations with top Solana DeFi platforms. Soon, users will also be able to use $PST as collateral on Kamino and trade future rewards via RateX.
While users can participate without locking up their capital, they have the option to choose 3-month or 6-month terms to significantly enhance their Huma Feather rewards through multipliers. During the initial launch period, these multipliers are particularly generous as part of a limited-time promotion, especially in Maxi Mode. This means users have even more flexibility and options for managing their positions!
In just two short years, Huma Finance’s PayFi Network has made remarkable strides, processing over $3.8 billion in transactions and generating an impressive $8 million in annualized revenue. Huma is dedicated to helping its partners generate yield from their PayFi operations. Unlike DeFi yields that often depend on token incentives, market speculation, or the typically low rates found in traditional finance, PayFi yield comes directly from fees paid by businesses utilizing the network for payment financing and settlement liquidity. Capital is recycled quickly—often within days—compounding fees generated from real economic activity. This approach has allowed Huma to consistently deliver stable, double-digit USDC yields, showcasing a sustainable model that has garnered support from leading investors and recognition from industry analysts.
