$HUMA #humafinnanc 1. Huma's Core Positioning: Aiming to be the "Disruptor" in the Payment Finance Sector
Huma Finance (HUMA) is a blockchain-based payment finance protocol, primarily aimed at achieving faster, cheaper, and more transparent cross-border payments via stablecoins (such as USDC). Compared to traditional banking systems, its advantages are mainly three-fold:
Extremely Fast: Traditional cross-border remittances typically take several days and incur high fees; Huma utilizes blockchain technology to complete transactions in just seconds, with costs potentially only a fraction of traditional methods.
Backed by Stablecoins: It primarily relies on compliant stablecoins like USDC, avoiding the price volatility risks associated with cryptocurrencies such as Bitcoin, making it more suitable for large payment scenarios for businesses or individuals.
Linking to the DeFi Ecosystem: Huma not only facilitates payments but also integrates the "earning function" on the blockchain (such as liquidity mining) with payments, allowing users to earn some returns while making payments.
How large is the market potential?
The global cross-border payment market has a transaction volume exceeding $150 trillion annually (predicted for 2025), but currently, the penetration rate of blockchain payments is less than 1%. If Huma can capture a portion of this 1% share, the potential for growth is significant. Additionally, with clearer regulation of stablecoins (such as stricter scrutiny by the U.S. on Circle, the issuer of USDC), compliant payment protocols like Huma may gain acceptance from more institutions.