Huma Finance Is The First PayFi Platform Using RWAs by pvmihalache

leofinance · @pvmihalache · 2025-08-23T09:39:57+00:00

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Huma Finance Is The First PayFi Platform Using RWAs

Do you know that odd experience when you meet an NPC in your journey along a familiar path, and the side quest takes you in a place that you hardly explored? This is my story with Huma Finance on Solana!

Huma Finance is a PayFi (payment financing) platform using real-world assets (RWAs) and DeFi to unlock liquidity. The protocol launched on Solana for faster, cheaper, and more scalable operations.

The team done some big moves, like merging with Arf and boosting the total payment financing to $2B+. Huma raised $38M from top VCs like Distributed Global, Hashkey Capital, and Stellar.... and launched PayFi Strategy Tokens along modular vaults to earn real yield

They've been audited by Halborn with no major issues, and their vision is to become the liquidity layer for global payments—chain-agnostic, enterprise-ready, and DeFi-powered.

![17558500272853274903265475424305.jpg](https://images.hive.blog/DQmZ2mngyMmQM947vPTYGcoaGiRRGsnEx6WXTeJSeKJsBBf/17558500272853274903265475424305.jpg)

Back to the gaming pun, and how yapping about EVM stuff made me eligible for a Solana airdrop! The HUMA team allocated 10bps of $HUMA supply to the top 500 yappers, and another 10bps is allocated to contributors active in the Kaito ecosystem across Solana, DeFi, PayFi, or RWA.

To be eligible for the Kaito share, you needed to have submitted a SOL wallet on Yaps and held over 100 sKAITO. I did that and I've got a share of the $HUMA bounty!

The first PayFi network will accelerate global payments with instant access to liquidity, and the 339 $HUMA I've got will help me tap into this uncharted world. I am ready for a brand new adventure!

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Was no point to sell so I explored the opportunities. Users can earn yield, accumulate "feathers", and boost that from holdings in $PST and $mPST. New stuff to learn and a brand new ecosystem to explore!

I staked the 339 $HUMA I got through the airdrop for multiple benefits! More rewards on the Dapp, more stuff prepared on Kaito, more feathers, and whispers about two more seasons of airdrops!

The prediction is that two more $HUMA drops will happen in three and six months, and I am getting ready for a bigger allocation! The exploration started with a small USDC deposit into the classic pool, then I noticed the Maxi style and a 17.5x on feather rewards!

56a6d1374d3f7c71d08154f653767dec541ebf883b342bd6eb155d835bcb7948.jpg

Huma Finance has two liquidity tokens on Solana, $PST and $mPST, each tied to a different yield mode in its PayFi system. The $PST tokens are minted by depositing USDC into Classic Mode, offering a stable ~10.5% APY and a base rate of Huma Feathers.

The $mPST tokens comes from Maxi Mode, which skips the fixed yield in favour of much higher Feather rewards! This strategy is ideal for users focused on deeper ecosystem participation.

Both are SPL tokens, but moving them may impact lockups or reward status. The strategy is to use the $PST tokens for stable yield, and $mPST to maximize the rewards.

I thought is a good idea to walk on both worlds, like a Mandalorian, and added 30 USDC spread across classic and maxi. The multiplier is split equally between 5x and 17.5x, and so far I earned 64.99 feathers.

Why feathers? The reward points symbolizing user loyalty were inspired by the mythological Huma bird. They’re used to boost governance power, unlock token rewards, and recognize deeper participation in the PayFi ecosystem.

0325eea77030e72d585a440118d1be01408666553935692b9443b6deef89c1a4.jpg

👍 nftfrappe, mightyrocklee, pixelfan, beststart, russellstockley, pixresteemer, thisisawesome, harpreetjanda, youarealive, teamvn, bradleyarrow, heartbeatonhive, steem-holder, alohaed, alive.chat, maddogmike, aliveandthriving, illmaskmajor, vocup, dhedge, heruvim1978, mytechtrail, cursephantom, alessandrawhite, fredkese, filosof103, verbal-d, alienpunklord, xykorlz, iamraincrystal, robsteady, rzc24-nftbbg, aprilgillian, aslehansen, alzee, ericburgoyne, calebmarvel24, myupvote2u, logen9f, onetrueself, okarun, winanda, nathalie-s, lolz.sloth, frazfrea, kryptogeier1, iamchessguy, rbhayes, guurry123, idksamad78699, hiro.juegos, bigtakosensei, thereikiforest, hirohurl, hive-112281, chmoen, masterzarlyn28, heruvim78, pvmihalache, ijebest, ngwinndave, empressjay, ismartboy, susieisclever, and 32 others

`author`	pvmihalache
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`category`	leofinance
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properties (23)vote details (96)

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verbal-d	4,145,205,400	10%
bigtakosensei	1,696,825,260	1.2%
thereikiforest	1,691,312,329	10%
frankydoodle	552,015,760	4%
joeyarnoldvn	448,317,814	1.47%
pixelfan	60,375,752,603	6.5%
pixresteemer	35,255,466,782	12%
fredkese	4,312,530,841	30%
mytechtrail	5,305,622,678	4%
oredebby	731,581,007	4%
ericburgoyne	2,532,070,259	4%
heruvim78	1,339,694,136	4%
russellstockley	39,751,124,858	30%
neopch	380,233,566	17%
tuisada	819,314,416	2.4%
teamvn	18,782,755,706	14.23%
fiberfrau	962,887,356	4%
mk992039	704,027,897	4%
guurry123	1,740,752,678	2.4%
harpreetjanda	28,776,956,120	50%
filosof103	4,159,675,734	2%
thisisawesome	29,476,868,287	15%
gurseerat	840,399,490	3.2%
freemonster	842,960,728	20%
maddogmike	10,435,049,089	6.4%
liaminit1	595,010,595	90%
iamraincrystal	3,810,957,234	4%
bradleyarrow	13,420,325,665	8%
chmoen	1,373,380,850	4%
hirohurl	1,681,353,285	8%
steem-holder	10,888,235,922	20%
adcreatordesign	497,780,694	4%
iamalivechalleng	688,957,311	10%
aslehansen	2,892,216,067	8%
myupvote2u	2,335,139,580	50%
mightyrocklee	73,753,079,188	4%
nathalie-s	2,055,719,861	4%
dhedge	6,809,487,089	1.6%
heruvim1978	6,435,622,334	4%
dmhafiz	927,812,207	50%
rbhayes	1,761,229,811	5%
hive-112281	1,438,103,747	4%
pvmihalache	1,209,830,024	8%
onetrueself	2,284,297,849	8%
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alive.chat	10,462,651,274	10%
youarealive	23,128,453,003	10%
cursephantom	5,008,374,486	50%
captain.blog	0	30%
danokoroafor	936,673,166	4%
masterzarlyn28	1,358,639,988	28.5%
nnn1jls	479,409,279	30%
mervinthepogi	811,451,183	30%
rzc24-nftbbg	3,178,291,194	1.6%
frazfrea	1,962,335,930	30%
alovely088	958,968,446	1.6%
xykorlz	3,844,266,285	15%
logen9f	2,314,760,475	0.8%
keimo	452,844,031	30%
iamchessguy	1,833,303,799	10%
mustachio12	526,402,681	30%
aliveandthriving	9,872,303,011	10%
alzee	2,795,544,686	6.4%
alohaed	10,866,455,612	4%
hiro.juegos	1,719,596,213	4%
beststart	52,142,682,127	5%
heartbeatonhive	12,436,729,714	10%
lolodens	560,880,187	30%
sabajfa	686,896,973	4%
bigorna1	589,409,175	4%
alessandrawhite	4,314,673,280	4%
idksamad78699	1,722,368,432	4%
oasiskp2	765,663,165	4%
ngwinndave	1,144,736,612	4%
bvrlordona	617,686,162	30%
aprilgillian	3,082,160,734	15%
vocup	8,495,275,619	2.4%
winanda	2,138,065,419	10%
kryptogeier1	1,915,973,766	30%
nftfrappe	83,196,190,717	25%
ijelady	1,003,826,439	5%
empressjay	1,103,738,420	4%
luchyl	723,876,742	1.6%
lolz.sloth	1,989,653,684	30%
susieisclever	1,018,010,825	4%
ismartboy	1,039,077,980	8%
ijebest	1,167,647,714	10%
indiasierra	523,445,671	4%
alienpunklord	3,928,282,883	50%
illmaskmajor	8,550,947,672	100%
cryptodelegator	649,440,730	100%
calebmarvel24	2,499,507,933	10%
tom45p	546,828,954	4%
indeedly	454,184,720	7.5%
okarun	2,208,583,425	8%