Huma Finance V2
AuditedRWAHuma is a PayFi network that lends stablecoin deposits against real-world payment receivables — cross-border settlement pre-funding, card payments and trade finance — paying LPs a measured 8.00% from transaction fees rather than token emissions. Its PST receipt token is now also bridged to Ethereum, where it is used as leveraged collateral on Morpho and Fluid.
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The Problem
Cross-border payments need the sender's money to be available at the destination before it has actually settled, so payment institutions tie up billions in pre-funded local accounts. Meanwhile on-chain stablecoin yield mostly recycles crypto leverage or token emissions and has no link to real economic activity.
The Solution
Huma pools permissionless stablecoin deposits and lends them to payment institutions against the receivables generated as cross-border settlements clear. The transaction fees those institutions pay fund the LP yield, so a depositor earns a measured 8.00% APY from real payment volume rather than from emissions, with a 1 USDC minimum and no KYC.
Why it Matters
Huma defined the PayFi category and is the only protocol offering retail, no-KYC access to payment-receivable financing at scale, with billions in processed volume and no reported credit defaults. It also publishes an unusually strong transparency stack for an off-chain credit book: an independent Accountable dashboard refreshed every 15 minutes with Merkle-sum-tree proofs, full per-facility reserve composition, and monthly attestation of its largest asset class by a Swiss audit firm.
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View allFrequently asked questions about Huma Finance V2
What is Huma Finance V2?+
Huma Finance V2 is a RWA protocol operating on Solana, Ethereum. Huma is a PayFi network that lends stablecoin deposits against real-world payment receivables — cross-border settlement pre-funding, card payments and trade finance — paying LPs a measured 8.00% from transaction fees rather than token emissions. Its PST receipt token is now also bridged to Ethereum, where it is used as leveraged collateral on Morpho and Fluid.
How does Huma Finance V2 work?+
Huma pools permissionless stablecoin deposits and lends them to payment institutions against the receivables generated as cross-border settlements clear. The transaction fees those institutions pay fund the LP yield, so a depositor earns a measured 8.00% APY from real payment volume rather than from emissions, with a 1 USDC minimum and no KYC.
Is Huma Finance V2 safe?+
DeFi Sentinel rates Huma Finance V2 A with a safety score of 75/100, indicating low-to-moderate risk. The score reflects five risk dimensions: smart contract & technical risk, economic design & market risk, governance & centralization, sustainability & competitive position, and reputation & social trust. Huma Finance V2 has 9 audits on record. DeFi Sentinel's analysis flagged 1 high, 6 medium, 6 low risk alerts across Smart Contract & Technical Risk, Governance & Centralization, Economic Design & Market Risk, Sustainability & Competitive Position and Reputation & Social Trust. As with all DeFi protocols, residual risk remains and users should review the full risk breakdown before depositing.
What is the safety score of Huma Finance V2?+
Huma Finance V2 has a DeFi Sentinel safety score of 75/100 (rating A), last updated September 16, 2026. The score is computed across smart contract & technical risk (30%), economic design & market risk (25%), governance & centralization (20%), sustainability & competitive position (15%), and reputation & social trust (10%).
Which chains does Huma Finance V2 support?+
Huma Finance V2 is deployed on Solana, Ethereum.
Has Huma Finance V2 been audited?+
Yes. Huma Finance V2 has 9 audit reports on record from firms including Spearbit, Spearbit, Halborn. Audit reports and dates are linked under the Resources tab on this page.