Huma Finance (HUMA) Price Today

Huma Finance's all-time high is $0.1156, reached on May 26, 2025. At today's price of $0.0193, HUMA trades 83.3% below that peak. Its lowest recorded price was $0.0111 on February 26, 2026.

Over the past 30 days HUMA has moved −11.66% and over the past 90 days −11.01%.

Circulating supply is 3,260,843,970 HUMA , against a maximum supply of 10,000,000,000 HUMA. Maximum supply is 10 billion HUMA, with 17.33% circulating at the May 2025 launch. Data providers disagree on the current circulating figure — the number on this page follows our CoinMarketCap feed.

What moves Huma Finance's price

• The actual business is payment-settlement credit, not consumer lending: payment institutions draw stablecoin liquidity to settle flows around the clock and repay in one to five days from payment receivables, paying roughly 6–10 basis points per day. The main origination channel is Arf, a Switzerland-based liquidity platform (a member of the VQF self-regulatory association — not a bank) that merged with Huma on 17 April 2024, the two brands operating under one holding company. Growth or contraction in that settlement-financing demand is the fundamental driver.
• The headline metrics are company-reported and unaudited — and that framing matters: Huma announced cumulative transaction volume passing $10 billion in February 2026 (from $2.9 billion a year earlier) and claims zero credit defaults since inception. No independent audit of the default record exists. What is independently observable: about $195 million of deposits on Solana per DefiLlama, and the exchange market data.
• The unlock overhang is the dominant token-supply story: investors (20.6%) and team/advisors (19.3%) — nearly 40% of supply combined — sit behind a cliff that the project voluntarily extended by six months in April 2026, from May to 26 November 2026, after which those allocations vest quarterly for about three years. Analysts framed the extension as deferring, not eliminating, the dilution event.
• Yield level and sustainability: Huma 2.0 launched on Solana in April 2025 advertising 10.5% USDC APY from payment-financing fees, updated monthly; trackers recorded the rate stepping down to about 9% in Q3 2025 and about 8% in Q4 2025. The yield is backed by receivables rather than emissions, but it depends on sustained borrower demand and on credit performance that is self-reported.
• A small but real security incident is on the record: in May 2026 a logic bug in Huma's deprecated V1 contracts on Polygon was exploited for about $101,400 in USDC. Huma paused the remaining V1 contracts and said the live Solana products were unaffected.
• The post-launch drawdown, stated plainly: HUMA peaked in its Binance listing week (CoinGecko: $0.1156 on 26 May 2025) and fell roughly 90% peak-to-trough to its February 2026 all-time low near $0.011, recovering to trade about 80% below the high. Skeptics exist in print — a PANews analysis compared the model's risks to China's collapsed P2P-lending sector and flagged the partially centralised credit-assessment module as a regulatory focal point.

About Huma Finance

Huma Finance was founded in April 2022 in San Francisco by Erbil Karaman, Richard Liu, Ji Peng and Lei Du. It began as an income- and receivables-backed lending protocol, raising an $8.3 million seed in February 2023 led by Race Capital and Distributed Global, with ParaFi, Circle Ventures, Folius and Robot Ventures participating. Its defining move came through Arf, a Swiss cross-border settlement-liquidity platform backed by the Stellar Development Foundation and using Circle's USDC: after generating over $1 billion in financed payments together, the two companies merged on 17 April 2024 under a holding company. In September 2024 Huma raised a further $38 million — $10 million in equity led by Distributed Global plus $28 million invested into real-world assets on the platform — with HashKey Capital, the Stellar Development Foundation and İşbank's venture arm among the participants.

In April 2025 Huma launched Huma 2.0 on Solana, its first permissionless product, letting retail depositors supply USDC for payment-financing yield through a composable LP token integrated with Jupiter, Kamino and RateX; the institutional pools remain permissioned. The HUMA token generated on 26 May 2025 as Binance's 70th Launchpool project and listed the same day with a Seed Tag. By February 2026 the company reported more than $10 billion in cumulative volume, and in April 2026 the team and investors extended their own lockups six months to November 2026, committing to launch on-chain governance by that date. Token utility today is governance via staking plus ecosystem incentives; revenue-linked value accrual is a stated 2026 roadmap commitment, not a live mechanism.

HUMA tokenomics

Maximum supply is 10 billion HUMA, with 17.33% circulating at the token generation event. The published allocation: 31% liquidity-provider and ecosystem incentives (quarterly releases decaying about 7% per quarter, adjustable by governance), 20.6% investors, 19.3% team and advisors, 11.1% protocol treasury, 7% exchange listings and marketing, 5% initial airdrop plus about 2.1% in a second airdrop, 4% market makers, 2% pre-sales and a small strategic swap. Investor and team allocations were locked twelve months and the project extended that to eighteen — the first tranche moved from May to 26 November 2026 — then vest quarterly over roughly three years, into 2029. The token's live utility is staking-based governance and incentives; no operating buyback or fee-share mechanism exists yet, though 'deflationary mechanics' tied to protocol revenue are on the published 2026 roadmap. Note that CoinMarketCap and CoinGecko disagree on current circulating supply; this page follows our CoinMarketCap feed.