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DeFi (lending)DeFi · Solana and others

Huma Finance

Author's status: ActiveUpdated: 2026-09-20

I lend USDC long-term. HUMA has had its TGE, and I stake it too.

Lending and yield

Deposit
USDC
Typical APY
About 8% a year (Classic, variable)
Rewards
Yield from payment financing paid in USDC, plus Feathers
Note
In Huma 2.0, Classic mode pays USDC yield plus Feathers, while Maxi mode gives up the yield for more Feathers. You can choose no lockup, 3 months or 6 months; longer locks raise the Feathers multiplier (official docs). HUMA staking rewards are also paid in Feathers. Yields change over time.

TGE and points

Current state
Staking rewards are paid in Feathers points and count toward each season's airdrop allocation (official blog).
TGE
$HUMA2025-05-26
Points program
FeathersSeasonal airdrops continue after TGE. Season 3 started November 2025 (official X). Later seasons are known only from secondary sources.
Community allocation
5% of the 10B supply in the first airdrop at TGE, plus 2.1% about three months later (official blog).

Team, funding and user base

Base
Unverified
Founders / leads
Richard Liu, Erbil KaramanMerged with payments company Arf in 2024.
VC funding
$38M$38M Series A in September 2024 ($10M equity, $28M invested in yield-bearing RWAs; led by Distributed Global). Seed amount not verified from primary sources.
Key investors
Distributed Global, HashKey Capital, Folius Ventures, Stellar Development Foundation, TIBAS Ventures
X followers
117.7K@humafinanceas of 2026-09-20
User base
Over 100K depositorsMessari「State of Huma Finance Q4 2025」

Risks and caveats

  • Of the "$38M raised", only $10M was equity.
  • Institutional products require KYC.
  • Conditions for users in Japan are unverified.

Links

Start on Huma Finance (ref link)

This is a referral link. The author may be rewarded when you sign up or trade. What is written here is not tied to those rewards.

Sources

This page is for information only and is not a solicitation to use any crypto asset or service. Airdrops and their amounts are not guaranteed, and you may lose the funds you deposit.