In the field of blockchain finance, a silent revolution is quietly unfolding. Huma Finance launched Huma 2.0 in the Solana ecosystem in April 2025, marking a new chapter for the PayFi network.

The core advantage of Huma 2.0 lies in its innovative PayFi mechanism. By utilizing stablecoins such as USDC, the system achieves around-the-clock instant payment settlement, effectively addressing the 2-5 day settlement delays faced by merchants in the traditional financial system. This breakthrough not only enhances capital flow efficiency but also opens up compliance-friendly stable income channels for global users.

It is worth noting that the revenue model of Huma Finance is based on the real economy. The daily fee of 6-10 basis points paid by enterprises to obtain liquidity constitutes the main source of revenue. Funds are typically rotated quickly within 1-5 days, resulting in an annualized yield of 10-20%. The platform has processed over $3.8 billion in transaction volume to date and has maintained an excellent record of zero defaults, fully demonstrating the reliability and sustainability of its model.

Huma 2.0 has launched two operating modes: Classic and Maxi. The Classic mode provides users with stable USDC earnings, along with additional Huma Feathers rewards. The Maxi mode focuses on users who wish to maximize their Feathers accumulation, offering a rate of accumulation that is five times that of the Classic mode.

As a core component of Huma 2.0, the PayFi Strategy Token (PST) demonstrates powerful composability. Users can seamlessly integrate their liquidity positions with other projects in the Solana ecosystem, such as Jupiter, Kamino, and RateX, allowing for flexible exchanges of USDC or use as collateral.

To encourage users to participate in the long term, Huma 2.0 has designed lock-up period options of 3 months and 6 months, promising higher Feathers rewards. Especially in the early stage, the platform also launched additional promotional activities, offering more attractive reward multiples.

A notable feature of Huma 2.0 is its stability in returns, which stems from its model based on actual transaction fees, allowing it to maintain relatively stable performance during fluctuations in the cryptocurrency market. This characteristic is especially valuable in a bear market environment, providing investors with a safe haven.

With the strategic support of the Solana Foundation and Galaxy Digital, Huma Finance is actively expanding its business scope. Future plans include venturing into the DePIN (Decentralized Physical Infrastructure Network) financing space and developing cross-chain payment solutions, aiming to further enhance its influence in Web3 financial innovation.

The launch of Huma 2.0 not only represents a significant advancement for the PayFi network but also heralds the arrival of a new era in decentralized finance (DeFi). By combining the stability of traditional finance with the innovation of blockchain technology, Huma Finance is reshaping people's perceptions of financial services and paving the way for a more open and efficient financial ecosystem.