Huma Finance 2.0 Officially Launched in Solana: Unlocking Access to Real Yields that

Jakarta, Pintu News – Huma Finance, the first PayFi network, has launched Huma 2.0, an open, regulatory-compliant, real yield platform composed on top of the Solana blockchain. The launch opens up global access to stable returns from financing payments related to everyday trading activities.

By utilizing payment financing mechanisms, Huma 2.0 expands individuals’ access to real-world returns that were previously more common in institutional finance. Meanwhile, the previously licensed service has been rebranded as Huma Institutional to continue serving institutions and accredited investors. Users can start making deposits on the new Huma 2.0 platform immediately.

Huma 2.0 Key Features: Participation Mode and $PST Token

Huma 2.0 offers two main modes of participation for liquidity providers.

• Classic Mode: Designed for those looking for double-digit stable USDC returns (updated monthly) combined with a reward named Huma Feathers.
• Maxi Mode: Aimed at users who want to maximize their accumulation of Huma Feathers, earning 5x the rewards of the base tier, without receiving USDC rewards.

Users can switch modes on their position at any time.

DeFi composability is also a core feature of Huma 2.0, made possible by the $PST (PayFi Strategy Token). This liquid, yield-generating LP token allows holders to integrate their Huma positions with leading protocols in Solana.

At launch, users can exchange $PST for USDC via Jupiter, the first of several planned integrations with top DeFi platforms in Solana. Support for using $PST as collateral on Kamino and trading future rewards through RateX is expected soon after launch.

Also Read: Solana’s Whale Movement and Selling Pressure: What is the Impact on Crucial Support Levels?

Return Strategy Based on Real Economic Activity

In the past two years, Huma Finance’s PayFi network has achieved significant scale, processing over $3.8 billion in transactions and generating $8 million in annual revenue. Huma supports its partners to generate returns from their PayFi operations.

Unlike DeFi yields that often rely on token incentives, market speculation, or low rates in traditional finance, PayFi yields come directly from fees paid by businesses that use the network for payment financing and settlement liquidity.

Capital is recycled quickly-often within days-doubling the fees generated from real economic activity. This mechanism allows Huma to consistently deliver double-digit stable USDC returns, demonstrating a sustainable model that is further validated by support from leading investors and recognition from industry analysts such as Messari regarding PayFi’s potential to address a $30 trillion market.

Future Outlook and DeFi Integration

The launch of Huma 2.0 comes amid significant shifts in global finance and the DeFi landscape itself. While legacy payment infrastructures like SWIFT face challenges with speed and transparency and trillions of capital remain inefficiently allocated, the demand for modern, blockchain-based solutions is clear, evidenced by stablecoin transaction volumes that recently topped $35 trillion.

Huma 2.0 capitalizes on this shift, providing efficient settlement liquidity and expanding access for individuals around the world to benefit from basic financial activities-opportunities previously limited to institutions.

Crucially, the returns generated through PayFi are designed to be less dependent on crypto market cycles. Whether the market is booming or experiencing a downturn, economic activities such as payments and commerce can continue, potentially offering a more stable basis for Huma’s yield generation.

This structure can make double-digit returns more relevant during bear markets, where speculative yields often decline. As DeFi evolves, there is a readiness for this type of yield-one that is based on real trading rather than token speculation.

PayFi serves as a base layer, enabling new DeFi strategies such as Splyce’s latest Solmate product, which combines $PST Huma yields with SOL liquid staking, bridging decentralized finance with productive economic uses.

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The launch of Huma Finance 2.0 in Solana marks an important step in the evolution of DeFi, delivering a composable and globally accessible real yield platform. With innovative features such as flexible participation modes, $PST token integration, and a focus on real economic activity, Huma 2.0 opens up new opportunities for DeFi users to earn stable and sustainable returns. This move demonstrates the great potential in combining blockchain technology with real-world financial needs, strengthening DeFi’s position in the global financial ecosystem.

Read More: Solana Price Moves Up: Potential Strengthening or Correction in April 2025?

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This content aims to enrich readers’ information. Pintu collects this information from various relevant sources and is not influenced by outside parties. Note that an asset’s past performance does not determine its projected future performance. Trading crypto carries high risk and volatility, always do your own research and use cold hard cash before investing. All activities of buying andselling Bitcoin and other crypto asset investments are the responsibility of the reader.

Reference:

• Crypto Daily. Huma Finance 2.0 Launches on Solana, Bringing Composable Real Yield to DeFi Users. Accessed April 11, 2025
• Featured Image: TKX Capital