In 2025, the traditional SWIFT payment system seems to have become a thing of the past. With the rapid development of Blockchain technology, an innovative platform called Huma Finance is radically transforming the landscape of global financial transactions.

This project, which started in 2021, was founded by a group of experts with financial backgrounds and blockchain expertise. After years of development and refinement, Huma Finance launched its enterprise customized product in 2024 and released the Huma 2.0 public version in April 2025, making it available for all users.

The core advantage of Huma 2.0 lies in its positioning as a practical infrastructure. By integrating stablecoin and smart contract technology, the platform effectively bypasses traditional intermediaries, elevating transaction settlement speeds to near real-time levels. Compared to the SWIFT system, Huma significantly reduces transaction costs, charging only 6 to 10 basis points in fees.

This innovative solution has attracted numerous institutional users and is widely used in cross-border settlement, supply chain financing, credit card billing management, and even extends to the financing field of decentralized physical infrastructure (DePIN). One of Huma's highlights is its capital utilization efficiency, where all liquidity can be recycled and generate compound interest, while the system has a strong credit risk management capability, maintaining a zero default record to date.

The rapid growth of the platform is reflected in its impressive business data: the total trading volume has surpassed $5.5 billion, and the total value locked (TVL) exceeds $100 million. For individual users, the usage threshold of Huma 2.0 is extremely low, requiring no complicated KYC/KYB procedures; they only need to deposit stablecoins to participate.

As innovative platforms like Huma Finance continue to emerge, we are witnessing a profound transformation of the global financial system. This blockchain-based payment solution not only enhances transaction efficiency and reduces costs but also opens up new possibilities for financial innovation. However, we should also pay attention to the challenges that these emerging financial instruments may face in terms of regulation, security, and user protection.