Introducing Huma 2.0: Real Yield on Solana

Today marks a pivotal moment for Huma and the DeFi ecosystem as we launch Huma 2.0, our permissionless, compliant, and composable yield platform built on Solana. With Huma 2.0, we're opening access to stable, double-digit yield generated by real payment financing activities. The opportunities previously reserved for institutions are now available to everyone—and it's about  time.

By making our product permissionless, we’ve now made real yield accessible to everyone, allowing anyone, anywhere to earn from the flow of real-life commerce.   

What Huma 2.0 Offers: Features Built for You

We've designed Huma 2.0 with flexibility and choice at its core, rolling out a set of features that let users choose how they want to earn. Here’s a breakdown of what’s inside:

Choose the path that suits your goals:  

• Classic mode: Provides stable, double-digit real yield (currently 10.5% USDC APY, updated monthly) combined with baseline Huma Feathers. Think steady, predictable, sustainable. 
  
  
• Maxi mode: Built for Huma maxis. Skip the USDC yield (0% APY) to maximize Huma Feathers, earning up to 25x the feathers during the limited-time launch promotion. Go big, go all-in. 
  
  
• Flexibility: LPs can switch the mode of their existing positions anytime, at no extra charge beyond gas fees. 
  
  
• Optional Lock-ups for more rewards: While not required, locking your deposit for 3 or 6 months significantly increases your Feather reward multipliers. The longer the commitment, the bigger the multiplier. During the lock-up period, users generally cannot withdraw their funds without forfeiting some accrued rewards, thus ensuring predictable liquidity management for Huma and stable returns for users.
  

• $PST: Liquid & composable LP token: Depositing in Classic mode gets you the liquid LP token $PST (PayFi Strategy Token). It represents your share, is yield-bearing, and is built for DeFi composability, plugging right into the Solana ecosystem. Our Huma 2.0 launch integration partners are:
   

  • Jupiter: Swap $PST for USDC anytime, instantly.  

  • Kamino: Borrow USDC against your $PST. Loop, farm, and maximize yield (coming soon).  

  • RateX: Split PST to enter leveraged YT/PT strategies (coming soon). 
    
    

• Referral system: Grow the community and get rewarded. Earn 10% of the Feathers collected by friends you invite for one entire year.  
  
  

Why This Launch Matters

Let’s be REAL. Finding stable, sustainable double-digit yield is a hard task. Historically, it's been reserved for top institutions and family offices, while most people settled for fractions of a percent. much of DeFi yield, despite unlocking access, has been driven by speculation, token emissions, and market cycles, often proving unsustainable, especially in bear markets. DeFi yield typically comes from token incentives or staking rewards tied to highly speculative activity, making them prone to volatility and heavy fluctuation depending on market cycles. The timing for Huma 2.0 couldn't be more critical. DeFi is ready for a new type of yield – one that is grounded in real life.

Against this backdrop, the tools for a better system are rapidly maturing. Stablecoins are experiencing insane growth, with transaction volumes recently climbing to a reported $35 trillion, highlighting their rapid adoption as efficient financial rails. Huma leverages these stablecoins and blockchain technology to power its PayFi network.  

This confluence – the market's need for sustainable yield and the rise of stablecoins – makes now the perfect time for Huma 2.0. By using stablecoins and on-chain liquidity, Huma's PayFi network accelerates global payments, generating stable, double-digit yield that originates from real financial activity.

Real Life, Real Yield: Stable Through Bull or Bear

We can’t stress it enough; this yield is built different! PayFi yield is earned from real financial activity – transaction fees paid by businesses using the network.

Here’s the engine: Each time a business taps into the PayFi network to settle a payment, it pays a daily fee (typically 6 to 10 basis points) to access liquidity until it is repaid. Because the liquidity is repaid frequently—often within one to five days—the same capital can be recycled many times per year. That rapid turnover creates a compounding effect that drives strong, recurring yields for liquidity providers.

The result is stable, double-digit yield that doesn’t depend on bull markets or token farming. This yield doesn't follow market cycles. Markets go up and down; PayFi yield doesn’t. Whether crypto is booming or dipping, people still spend, send, and settle – that's where the yield comes from. This makes Huma’s stable, double-digit yield incredibly attractive and reliable, especially in bear markets when other sources may dry up. It’s powered by real businesses moving real money. As long as global commerce continues (and we all know it will), the yield is sustainable.

Join the PayFi Movement

Huma 2.0 goes beyond a new platform; it's an invitation to participate in a more open, efficient, and accessible financial future, embodying our mission to accelerate the movement of money for a world that’s always on. It reflects the Huma ethos – a reminder to aim higher, break free from what holds us back, and embrace the endless possibilities that lie beyond.  

Every past revolution in finance has served the few. Remember those who weren’t invited to the last financial revolution – the one led by PayPal, Stripe, and other gatekeepers? This time, it's different. The barriers are gone, the system is changing, and the power is no longer centralized. PayFi is opening up access.  

With Huma 2.0, you can actually be part of the next financial revolution. By joining now, you gain early access to this unique yield source, accumulate Huma Feathers, and get in ahead of our upcoming Token Generation Event (TGE), as we prepare to be the first major project to launch on Jupiter's upcoming LFG 2.0 platform. Early support for real-life finance comes with real upside.