Huma Finance is solving a tangible problem: unlocking liquidity from the real-world revenue stream. With support from Circle and Stellar, now launched through Binance Launchpool, Huma could be a project to put Payfi at the next evolution center of Web3.
Overview of Huma Finance
Huma Finance (Token: Huma) is the 70th project launched on Binance Launchpool, aiming at the Payment Financing (PAYFI) industry, a model that provides funding based on payment flows. In short, Huma can achieve income-based financing: for example, promote funds from coming invoices or revenues, leveraging Stablecoins and Defi to facilitate faster liquidity acquisition.
The project has strong support from major investors such as Circle, Hashkey Capital and Stellar Development Foundation (SDF), and has raised a total of $46 million. This allowed Huma to position its token as a strong contender before it went public.
As of mid-May 2025, just two weeks after Huma 2.0 was released on Solana, the agreement has recorded over $4 billion in total transaction volume (TTV). It also witnessed impressive user growth, with the number of active wallets increasing by more than 490%, from 5,600 to 33,000.
Source: Sand Dunes
Huma Finance Sokenomics
Token allocation
The fixed total supply of Huma tokens is 10 billion. Its distribution structure is as follows:
- LP and Ecosystem: 31%
- Investors: 20.6%
- Team & Consultants: 19.3%
- Agreement Ministry of Finance: 11.1%
- CEX and Marketing: 7%
- Initial air conditioning: 5%
- MM&On-Chain Liquidity: 4%
- Presale: 2%
Source: They
About 52.7% of the token supply is allocated to teams and investors: 20.6% of investors, 2% of early supporters, teams and consultants 19.3% of them, retaining 11.1% of long-term development in the Treasury. All of these tokens suffered a full 12-month lockdown, followed by linear attribution over three years, with unlocking happening quarterly.
This attribution timeline is considered relatively tight, meaning the release of the tokens for teams and investors will only begin in May 2026. Therefore, Huma tokens are expected to face the smallest sales pressure of large holders in the first year after their large launch.
Additionally, Huma announced plans for a second Airdrop activity (2.1% of total supply), which will be conducted three months after TGE occurs, targeting qualified users. Around that time, the agreement will also begin distributing LP rewards quarterly.
Overall, Huma’s Sokenomics is seen as community-friendly—nearly half of the supply is allocated to users while maintaining strong short-term inflation controls.
Source: They
Comparison with recent Binance Launchpool project
To estimate the potential listing price of Huma, it is helpful to study the performance of the recent Binance launch pool project. The following table summarizes the TGE price, initially fully diluted valuation (FDV), while ATH is used for the four previous launch pool projects in Huma:
In addition to WCT, the recent FDV launched the latest Launchpool project, which has a lower FDV.
Specifically, Initia, Gunz and SXT’s FDV are all close to $700 million, while WCT’s debut was about $280 million. After listing, the tokens reach peak prices ranging from about 1.3 times to 2.6 times.
These cases provide several useful reference points for evaluating Huma:
- Now, an initial valuation costing $700 million is considered the standard in the launch pool ecosystem. Investors tend to accept this FDV level, especially if the project meets a strong theme or popular department.
- For projects with a FDV of about $700 million at launch, prices tend to rise from 1.3 to 2 times after short-term market launch. When the FDV starts to be lower, like WCT, the upside potential may be greater – due to its underestimation, WCT jumped 2.6 times.
- With Huma’s FDV estimates approaching $700 million, if demand is strong, there may be a short-term gain of 1.5-2x.
This prospect is further enhanced by the broader market context in May 2025. Bitcoin has recently reached a new all-time high of $111,000, and the index of fear and greed is “extreme greed”. Liquidity is shifting to Altcoins, while the new binary list is gaining huge benefits from FOMO and SURPLUS CAPHATE.
Importantly, BTC remains near its highs after Trump postponed tariffs, and macro conditions look calm. As a result, many traders are leaning towards long-term positions this week.
This stable background reduces the chances of a sharp swing during Huma launch, thus helping it to drive market momentum smoothly.
Given these factors, Huma performs well after listing if it keeps motivated and investor interest.
Market comparison
To better grasp Huma’s positioning, we can compare it with two outstanding players in the decentralized credit and RWA-based lending space: Plumeria Network (Pedestal) and Truefi (TRU) (TRUEFI) (TRUEFI) (TRUEFI) (TRUEFI) (TRUEFI) (all considered early pioneers in Defi credit and asset-backed financing.
Huma vs Plume
Plume is a professional layer 1 blockchain for real-world assets (RWA), with its TGE in January 2025. The project started with a supply of $10 billion and released a 20% supply (about $2 billion) on TGE (about $2 billion tokens), initially priced at $0.15, initially a $150 million block of $150 million, with a ticket price of $150 million.
Due to favorable market conditions, the immediate price of Plumer’s listing day rose by about 15% to $0.184. As of May 2025, the tokens were trading around $0.15-0.16, effectively maintaining its TGE price level.
This shows that FDV has a stable volume of about $1.58 billion and a cycle of market capitalization of about $380 million, accounting for about 24% of the total unlocked supply. The continued valuation of the market reflects the continued confidence in the RWA narrative.
Importantly, Plume executes strict time of ownership: Teams and early investors hold 41% of the total supply, which is still completely locked in the first year and gradually unlocked over the next two years (2026-2028). The token distribution is similar to that of Huma – both projects prioritize community allocations (46-47%) and execute a year-long cliff, followed by years of in-household ownership.
This is a common launch pool trend: high-floating high FDV to build hype and limit early selling pressure.
Given these similarities, investors can expect Huma to reach or exceed $1B of FDV if conditions remain strong.
Prior to the public launch, Plume raised $30 million from the seed and Series A rounds. According to Coindesk, the plumage raised $20 million in Series A funding in December 2024. Top companies join the round, including A.Capital, Countdown, SV Angel, Hashkey and Galaxy Digital. Their support helps to strengthen market confidence in the long-term potential of plume.
Huma vs Truefi
Truefi, launched in late 2020, is the first Fefi protocol to introduce no retained loan chains. On its debut, TRU’s FDV was relatively modest – partly due to limited cycle supply, with an initial price of around $0.05.
But as a first step backed by prominent investors such as A16Z and Alameda Research, TRU quickly gained traction in the 2021 bull market.
The token has a historical height of approximately $1.05 in August 2021, corresponding to a peak FDV of $1.4 billion. However, the price of TRU later collapsed – as of now (May 2025) it has fallen more than 95% to around $0.04, with a market cap of about $54 million and a FDV of $60 million.
Several factors have led to this decline. A key issue is the active token unlocking, which continuously increases the circular supply without corresponding demand. TRU has limited utility – users mainly use it for the risk of putting it in the protocol.
The TRU fixed user evaluated the borrower’s credibility and assumed the cutback risk in the event of default in exchange for a loan fee. Despite innovation, the model strives to maintain long-term token demand.
Huma Financial Price Forecast: Huma Pre-Tge Price Forecast
Binance will open Huma’s deal at 13:00 UTC on May 26. Like other Launchpool tokens, the FDV has a FDV of about $700 million, which means the initial transaction price is close to $0.07, a common baseline in the recent launch pool list.
Read more: Check your Huma Finance (Huma) Airdrop
However, like other tokens, there is a great possibility of an initial price increase. Huma can quickly rise to $0.10-0.12, which is 40–70% of the expected starting price of $0.07.
This would equate to an FDV of about $100 to $1.2 million, consistent with peak valuations for comparable sector leaders such as Initia and Truefi, both of which hit about $1.4 billion in FDV on their respective ATHS.
Overall, given favorable conditions – including a strong crypto market background, high-profile investors and more than 100,000 users involved in launch pool planting – Huma is unlikely to debut its TGE price. It’s very likely to be a positive first day performance.
The more critical question is whether Huma can maintain this momentum outside the launch window. This will depend on the fundamental advantages of the protocol, ongoing user adoption, and the wider capital flows in the market.
in conclusion
All signs suggest that Huma will debut at a price close to $0.07, meaning the FDV is about $70-800 million. In the short term, Huma’s main risks revolve around high volatility and profit pressures for launch pool participants.
However, the bullish papers of Hamma after tge are still convincing. The project utilizes a timely and evolving narrative – Payment Financing (PAYFI), which is located in the intersection of DEFI and the interest rate rise in RWA use cases. Its token learning is also holder-friendly, with limited inflation in the first year due to a tight attribution schedule and low initial floating point.
Additionally, Huma benefits from support from crypto-native funds and traditional fintech players, which can be well positioned to bridge the gap between Defi and Oxp-Chain Financial applications. If the team is available on the roadmap – especially by launching its Payfi lending platform and joining traditional partners, Huma has the potential to enter a stage of sustainable growth rather than just another token that is briefly pumped and faded away.
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