Huma Built PayFi. Now Institutions Build on Huma.

Written by Huma Finance | Aug 25, 2026, 4:06:13 PM

Today we're announcing Huma's next chapter. The same mission, pursued at greater scale, with a new identity and a new group of institutional partners.

To accelerate the movement of money for a world that is always on.

We embarked on this mission with two fundamental beliefs:

Modern payments need modern infrastructure.
Liquidity is king.

Built on these beliefs, our solutions became the first PayFi Network, accelerating global payments and trade while proving there is a better way.

This April marked Huma’s fourth anniversary. Since our founding, we’ve surpassed $17 billion in total transaction volume, and we’re now growing by more than $1 billion a month, with zero credit defaults to date.

That’s more than 3× year-over-year growth, sustained over time.

That’s product-market fit.

Bringing the real economy onchain

A few years ago, no one knew about PayFi. Today it’s one of the most sought after ecosystems, and recent research from Spark highlights payment financing as the third category of onchain credit, right after traditional asset originators, and institutional digital lending. Huma occupies the vast majority of this third category.

While the applications of payment financing is broad, Huma built its success through two major use cases:

Cross-Border Pre-funding. Huma’s primary vertical, powered by its Swiss-regulated entity Arf, provides stablecoin liquidity to licensed payment institutions, enabling just in time cross-border settlement. Each transactional credit is repaid within one to seven days, and is backed by funds already deposited into safeguarding accounts. This stablecoin-based solution not only replaces the $4T in fiat prefunding, it works during weekends and bank holidays, something that today’s global transaction banking can not provide.

Trade Finance. In partnership with TradeFlow Capital Management, a Singapore-headquartered specialised investment advisor, Huma finances physical commodities and goods in transit, like rare earth minerals. These transactions involve legal ownership of the physical cargo, are fully insured, and typically settle within 30 to 90 days. With more commodity traders looking to settle in stablecoins, it’s a rapidly growing vertical.

PST’s Next Chapter

PST has matured into an institutional asset. It has surpassed $220M in market cap and ranks as a top-ten tokenized credit asset on rwa.xyz, and a top-three on Solana.

In June 2026 Huma launched its cross-chain platform leveraging Chainlink CCIP and Oracles, powering its first Ethereum Morpho market. PST became one of the first assets onboarded to Fluid’s Liquidity as a Service platform, and was integrated into RockawayX’s RFQ platform with up to $20M capacity to make looping safer for large LPs.

Additionally, PST is now independently verified by Accountable, providing third-party assurance on asset exposure and performance with near real-time visibility utilizing onchain proofs and cross-checks against monthly attestations by Swiss audit firm Wadsack.

These developments enabled a new set of institutional partners like Bitwise, Sentora, Galaxy Digital, Coinbase Asset Management, and others. PST is now ready to become a billion dollar asset.

The new look

Cuneiform is one of the earliest systems humans used to record value and trade. Developed around 3200 BCE by the ancient Sumerians in southern Mesopotamia, where the mythical Huma bird was born.

Cuneiform’s purpose was accounting of credit and trade records: grain owed, debts still to be settled, type and quantity of goods traded. What made it work was not any single mark. It was that a small fixed set of them, pressed in combination, could describe any transaction anyone needed to record. Most of them were written on clays, and the important ones were made permanent by baking them in hot kilns. They were preserved for thousands of years. All of these aspects of cuneiform remind us of the immutable nature of blockchains, a perfect medium for finance.

Payment financing needed a vocabulary like that for a long time, so we were inspired by one. The wedge keeps its angle and its pressure, redrawn in vector geometry on a single construction grid: curved negative space, flat terminals, extruded and rendered rather than impressed. Glyphs carry the primitives, from liquidity and yield, and they compose themselves into the PayFi stack.

We hope you will enjoy exploring them as much as we did. Check out the new website here.

Build alongside us

For licensed payment providers, financial institutions, and trade finance orchestrators, Huma is one of the most scalable sources of stablecoin liquidity with deep domain expertise that has helped dozens partners digitize their business and unleash growth.

For institutional allocators, asset managers and vault curators, Huma’s PST is a sustainable source of yield powered by real payment flows, uncorrelated to crypto markets.

Huma, accelerating the movement of money for a world that’s always on.

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