humafinance

Everyone keeps asking when payments will finally move on-chain. Meanwhile, Huma just quietly crossed $10 billion in total transaction volume, and this milestone proves PayFi is not coming in the future, it is already working right now.
The Numbers That Matter:
Huma processed $10 billion in Total Transaction Volume. This is not TVL sitting in pools or inflated metrics. This represents actual businesses moving real money for cross-border payments, merchant settlements, and trade finance operations.
The growth is what stands out. Huma went from $2.9 billion to $10 billion in one year, which is 3.4x growth in real payment flows. Even more impressive is the zero defaults track record across all those transactions. When you are processing billions with perfect repayment history, that is institutional-grade risk management working as designed.
Building With Circle and USDC:
Huma is a Circle Alliance Member, building PayFi infrastructure directly with the team behind USDC. In January 2026, USDC processed over $8 trillion on-chain. Huma became the first embedded credit solution for the Circle Payments Network, providing instant liquidity when institutions need to settle USDC payments.
When major financial players need on-demand liquidity for stablecoin settlements, they are using Huma’s infrastructure to make it happen.
How PayFi Actually Works:
Traditional cross-border payments take three to five business days. Businesses have to prefund accounts with billions of dollars that just sits there waiting. Huma eliminates this completely by providing capital instantly so payments settle at blockchain speed instead of banking speed.
The $10 billion in transactions proves businesses are already using this infrastructure for their payment operations right now.
Real Yield From Real Activity:
PST is the yield-bearing token backed by these payment flows. Through market crashes and volatility, PST maintained its peg around $1.04 to $1.06. The yield comes from businesses paying fees to access liquidity for their payments, not from token emissions or farming rewards.
The track record is clear: $10 billion in transactions, zero defaults, and stable peg maintenance through volatile markets.
What Comes Next:
Huma is targeting $25 billion or more in Total Transaction Volume and $500 million or more in Total Active Liquidity. The focus includes embedding PayFi into major payment networks, expanding into trade finance, and bringing institutional-grade yield to everyone.
Global payments move $1.8 quadrillion annually through traditional systems. Huma just processed $10 billion, which means PayFi has not even captured one percent of the market yet. This is not a ceiling, this is a starting line.

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