Huma Finance
HUMA
Evaluation Score
Overall rating on a scale of 0-10
Dimension Breakdown
AI Analysis
Comprehensive evaluation of the token
HUMA (Huma Finance) is a PayFi network providing cross-border and RWA financing infrastructure with verified multi-chain deployments on Solana and EVM chains. The protocol demonstrates robust development activity (Score: 7.5/10), evidenced by a $221.4M TVL, expansion across multiple chains, and integrations with DeFi protocols like Morpho. Team and Governance (Score: 6.5/10) features an experienced founding team with backgrounds at major tech firms (Google, Meta, Lyft), though operational and governance control remains centralized under multisigs rather than an active on-chain DAO. Market and Use Case (Score: 6.5/10) presents clear utility and institutional partnerships, offset by self-reported operational figures and an 80% drawdown from its all-time high. Security posture (Score: 6.5/10) is supported by comprehensive multi-firm audits (Halborn, Spearbit, Certora) and bug bounties, despite a minor $101.4K exploit on a deprecated V1 Polygon contract in May 2026 that was promptly mitigated and does not meet the criteria for a qualifying red-flag cap. Tokenomics (Score: 5.0/10) is the weakest evaluated area due to heavy future dilution, with only 17.33% of the 10 billion supply circulating and 32.67% remaining untracked. A data gap was noted in Community Support (-1.0), which was excluded from the weighted score calculation.
Development Activity
Code updates and developer engagement
Community Support
Social media presence and community engagement
Tokenomics
Supply, distribution, and utility
Market & Use Case
Value proposition and competitive landscape
Team & Governance
Team background and project governance
Security & Audits
Security history and audit status
About Huma Finance (HUMA)
Huma Finance (HUMA) is a PayFi and real-world asset (RWA) lending network designed to provide settlement infrastructure for cross-border payments, trade finance, and remittances. Operating across Solana, EVM-compatible chains, and Stellar, the protocol enables liquidity provisioning for payment-flow financing. Its ecosystem includes the PST receipt token, which bridges to Ethereum for use as collateral on decentralized finance protocols such as Morpho and Fluid. The protocol operates with a reported total value locked (TVL) of approximately $221.4 million.
The HUMA token has a fixed maximum supply of 10 billion tokens, with approximately 17.33% in circulating supply. Token utility includes staking for protocol fee shares, ecosystem incentives, and prospective governance participation. Disclosed allocations reserve 20.6% for investors, 19.3% for the team and advisors subject to multi-year vesting, and 11.1% for the protocol treasury. The project was established by a public team with backgrounds at technology and finance firms such as Google, Meta, Lyft, and EarnIn. Protocol administration and treasury controls are managed through multisig arrangements, with decentralized on-chain governance scheduled for future deployment.
The project maintains audit coverage across its smart contracts from firms including Halborn, Spearbit, and Certora, alongside an active bug bounty program. However, on May 11, 2026, a legacy V1 contract deployed on Polygon experienced an exploit involving an eligibility check logic flaw, resulting in the theft of approximately 101,400 USDC before the deprecated contracts were paused; current V2 systems on Solana were unaffected. In the market, HUMA has traded at an 80% drawdown from its all-time high of $0.12, and investors face future dilution risk due to the low circulating supply float and 32.67% of tokens remaining untracked.