Huma Finance

United States · Information Technology & Services

Huma Finance is a financial technology company based in Cupertino, California, founded in 2022. It operates as the first Payment Financing (PayFi) network, specializing in providing instant and borderless liquidity solutions for global payments. The company features an on-chain credit platform that connects high-performing receivables with global capital, enabling faster and more efficient financial solutions for cross-border transactions. The platform allows businesses to settle payments instantly without the need for pre-funding, which helps eliminate delays and unnecessary costs. Huma Finance utilizes blockchain technology to enhance transparency and security in its operations. The company has established partnerships with notable players in the financial and blockchain sectors, including global payment networks like Stellar and Circle, as well as the Solana blockchain. Huma Finance has achieved significant growth, with a cumulative transaction volume of $2 billion and a lending volume of $1 billion, while maintaining a default rate of 0%.