HUMA was launched with a simple thesis: the next global payments and liquidity network should be owned by the public.
In under a year, Huma’s PayFi network has scaled into core infrastructure powering major remittance flows, now driving ~ $1B in monthly volume, exceeding Visa’s monthly stablecoin volume. This growth was enabled by HUMA, coordinating a broad partner ecosystem, energizing a global community and mobilizing 100,000+ liquidity providers.
In under a year, Huma’s PayFi network has scaled into core infrastructure powering major remittance flows, now driving ~ $1B in monthly volume, exceeding Visa’s monthly stablecoin volume. This growth was enabled by HUMA, coordinating a broad partner ecosystem, energizing a global community and mobilizing 100,000+ liquidity providers.
A new foundation for the long term
Huma was built to become the infrastructure layer for global payment financing — and the yield layer that brings institutional-grade opportunities to everyone, onchain.
As we scale our products and grow the protocol into the platform for payment financing across financial institutions — and the yield layer that enables permissionless access to institutional opportunities once reserved for the wealthy — it's time for the tokenomics to scale with it: toward long-term sustainability, and a model that aligns token holders directly with the network's economic growth.
The regulatory environment has also reached an inflection point. With the GENIUS Act and CLARITY Act advancing toward law, the window to lead — rather than react — is now. The team has spent months in conversation with key holders, LPs, partners, legal advisors, and policymakers to continue lead in this major shift, and become future proof.
Today, we are introducing the first major upgrade to HUMA’s tokenomics.
Our objectives:
- Aligning Incentives with long term protocol health
- Reducing Emissions — Significantly
- Simplifying the LP Experience
- Introducing meaningful utility
- Compliance-Ready by Design
- Governance that long-term holders can participate
Here are the specific changes going live — and what it means for the ecosytem
1. Investor & Team Lockup ExtensionHuma was built to become the infrastructure layer for global payment financing — and the yield layer that brings institutional-grade opportunities to everyone, onchain.
As we scale our products and grow the protocol into the platform for payment financing across financial institutions — and the yield layer that enables permissionless access to institutional opportunities once reserved for the wealthy — it's time for the tokenomics to scale with it: toward long-term sustainability, and a model that aligns token holders directly with the network's economic growth.
The regulatory environment has also reached an inflection point. With the GENIUS Act and CLARITY Act advancing toward law, the window to lead — rather than react — is now. The team has spent months in conversation with key holders, LPs, partners, legal advisors, and policymakers to continue lead in this major shift, and become future proof.
Today, we are introducing the first major upgrade to HUMA’s tokenomics.
Our objectives:
- Aligning Incentives with long term protocol health
- Reducing Emissions — Significantly
- Simplifying the LP Experience
- Introducing meaningful utility
- Compliance-Ready by Design
- Governance that long-term holders can participate
Here are the specific changes going live — and what it means for the ecosytem
The Huma team, advisors, and major investors have agreed to extend their initial HUMA unlock by a full six months — shifting the first unlock from May 26 to Nov. 26, 2026.
Huma is in an aggressive growth phase. Extending this lockup keeps our strongest backers fully aligned with the community through it as we scales.
2. Retiring mPST (Maxi Mode)
Maxi mode played a vital role in activating our early community, but market dynamics have shifted. Currently, there's only about 2% of our liquidity utilizes it, it's time to officially retire mPST.
What this means:
- New deposits and switches into Maxi are now disabled.
- Auto-renew has been turned off for all mPST positions.
- Existing positions are safe — redeem or switch to PST at any time. Rewards will continue to accrue until May 26, 2026, or until your lockup ends, whichever is later. These accruals are programmatically determined by your existing position terms and are not contingent on any future action by the Huma Foundation.
3. Streamlining Incentives & Decoupling Staking
To better comply with evolving global regulations and simplify LP rewards, we are streamlining our incentive structures to decouple HUMA staking from PST rewards.
- The Staking Multiplier is being retired. Standard HUMA staking yields will continue uninterrupted, but the PST boost is being removed.
- The Vanguard badge is merging into the OG badge. Holders of both will receive an extra 1.2x reward boost for 6 months.
4. Honoring Current LP Commitments
LP protection remains a priority. If you currently hold PST, mPST, or Prime positions with active lockups, your reward multipliers are protected until your positions reach maturity.
5. Expanding Utility & Introducing Deflationary Mechanics
Throughout 2026, we're building new ways to use HUMA directly within the protocol — including features that let active participants access priority capabilities. Details to follow.
6. A Firm Date for Governance
To ensure long-term token holders and investors including those who extended their unlocks can actively participate in governance, Huma Foundation will launch onchain governance tools by Nov. 26, 2026.
This is the foundation that HUMA gets built on. Not a patch, not a pivot — an upgrade and us positioning for the long game. PayFi is a marathon, and every decision in this upgrade reflects that: fewer emissions, real utilities, and governance that compounds over time.
$HUMA is a utility and governance token intended solely for use within the Huma ecosystem. This document is provided for informational purposes only and does not constitute an offer to sell, solicitation to buy, or financial, legal, or investment advice. Participation in the Huma protocol and any interaction with the $HUMA token involves risk and should be undertaken only after careful consideration. Regulatory frameworks governing digital assets vary by jurisdiction and are subject to change. You are solely responsible for ensuring compliance with all applicable laws and regulations in your region. Always conduct your independent research and consult with qualified professionals before making any financial or investment decisions.
We are building the PayFi infrastructure for the decades ahead. PayFi will win.
— Huma Foundation