Huma Finance
Huma Finance operates a multi-chain PayFi network providing tokenized real-world asset financing, cross-border payments, and income-backed lending. Post-merger with Arf under 00 Holdings Inc., it serves businesses and the global underbanked via enterprise partnerships such as Tala.
- Company typePrivate
- Founded2023
- HeadquartersSan Francisco, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Huma Finance does
Huma Finance operates a multi-chain PayFi Network that uses real-world asset tokenization and blockchain infrastructure to deliver payment financing, income-backed lending, invoice financing, and cross-border payments. Founded in 2023 as a DeFi protocol focused on income-backed financial services, the company merged with cross-border payments platform Arf in April 2024 under holding entity 00 Holdings Inc., creating a full-stack blockchain financial services platform that retains both brands. The platform is deployed across Solana and Stellar's Soroban blockchain, with Chainlink services layered in for interoperability, and combines tokenized real-world assets, stablecoin-based payments infrastructure, and AI-underwritten consumer credit (via partner Tala) into a unified network.
The core revenue mechanism is transaction fees on payment financing and income-backed lending activity routed through the network. The company pursues an API-first, partnership-led go-to-market: it embeds its PayFi rails into enterprise platforms such as Tala, leverages blockchain foundation relationships (Stellar Development Foundation, Solana ecosystem) for platform distribution, and runs ecosystem initiatives through the Huma Foundation and PayFi Summit. Primary customer segments are businesses requiring cross-border payment and working capital solutions, and — via the Tala partnership — the global underbanked population. The firm is headquartered in San Francisco with 1-10 employees and approximately $46.3 million in disclosed funding across a 2023 seed round and a September 2024 funding round.
Huma Finance firmographics
Firmographics- Name
- Huma Finance
- Legal name
- Huma Finance (operating under 00 Holdings Inc.)
- Website
- https://huma.finance
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Huma Finance operates a multi-chain PayFi network providing tokenized real-world asset financing, cross-border payments, and income-backed lending. Post-merger with Arf under 00 Holdings Inc., it serves businesses and the global underbanked via enterprise partnerships such as Tala.
- Ownership category
- akta.pro rank
Huma Finance industry classification
Industry- Product category
- Decentralized Finance (Payment Financing)
- NAICS
- Nondepository Credit Intermediation (5222), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153), Asset-Backed Securities (6189), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P) (FSAPAEAA)
- akta.pro secondary industries
- Crypto-Backed Business / SME Loans (Secured) (FSADAFAH), Borrowing/Lending Risk & Credit Infrastructure (on-chain credit scoring, risk engines, insurance wrappers) (FSAPAEAI), Tokenized Collateral & On-Chain Credit Infrastructure (Collateral Mgmt, Liquidations) (FSAGAMAK), Institutional DeFi & On-Chain Liquidity Infrastructure (Permissioned DeFi, Lending) (FSAGAMAG), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
Where Huma Finance is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Huma Finance business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Payment Financing Services: Revenue generated through payment financing network facilitating cross-border transactions and liquidity solutions using tokenized real-world assets
- Income-backed Lending: Income-backed lending services including invoice financing and factoring services
Go-to-market motion2 records
Distribution channels2 records
Marketing channels2 records
Huma Finance product offering
Product offeringCore offering
Huma Finance operates the PayFi Network, a decentralized payment financing protocol that provides instant access to liquidity for global payments. The platform tokenizes real-world assets and enables income-backed lending across multiple blockchains including Solana, BSC, and Sei. It partners with fintech lenders such as Tala to finance receivables and payment flows at scale.
Product overview
Huma Finance operates the PayFi Network as its core platform, augmented by the Arf sub-brand following a merger with Arf under 00 Holdings Inc. The platform provides a full-stack blockchain financial services infrastructure combining real-world asset tokenization, payment financing, invoice and income-backed lending, and cross-border payment capabilities across multiple blockchain networks including Solana and Stellar's Soroban. The ecosystem is further supported by partnerships such as Tala for AI-underwritten consumer credit.
Differentiator
Problem solved
Functional benefit
Products and services
- PayFi Network
- Arf
Quantifiable outcome
- Projected over $3 billion in on-chain liquidity volume by end of 2024
- +2 more outcomes
Companies that use Huma Finance
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Huma Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
AI capability1 record
Feature3 records
Huma Finance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- TalacoreStrategic partnership to launch a tokenized lending platform on Solana blockchain. Tala leverages its credit engine trained on $7 billion in lending performance data combined with Huma's stablecoin-based payments infrastructure to provide AI-underwritten consumer credit to the global underbanked population.
- SolanacoreStrategic blockchain platform partnership for PayFi network expansion. Huma is launching its payment financing platform on Solana's blockchain network to enhance accessibility and interoperability.
- StellarcoreBlockchain platform partnership for PayFi network deployment on Stellar's Soroban blockchain. Partnership with Stellar Development Foundation aims to enhance cross-border payment capabilities.
- ArfcoreMerger with Arf to create a full-stack blockchain platform for cross-border payments and real-world asset tokenization. Combined entity operates under 00 Holdings Inc. and targets over $3 billion in on-chain liquidity volume by end of 2024.
- 00 Holdings Inc.coreParent holding company formed through merger of Huma Finance and Arf. Both companies operate under 00 Holdings Inc. while maintaining their existing brands.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Huma Finance competitors and assessment
Company assessmentDirect peers
- Goldfinch: Decentralized credit protocol focused on income-backed lending to borrowers in emerging markets without crypto collateral. Directly comparable to Huma's income-backed / invoice financing product and target underbanked segment.
- Centrifuge: Protocol for tokenizing real-world assets (including invoice and receivables financing) and bringing them on-chain as collateral. Closely overlaps Huma's RWA tokenization and credit infrastructure thesis.
- Maple Finance: Institutional on-chain credit market for undercollateralized lending to businesses. Comparable to Huma's income-backed lending on the institutional/SME side, with similar transaction-fee revenue model.
- Clearpool: Decentralized credit marketplace for uncollateralized institutional and SME borrowers funded by permissioned pools. Directly comparable to Huma's income-backed lending model with similar lender/borrower marketplace mechanics.
Broad incumbents
- Aave: Largest decentralized money market protocol for overcollateralized crypto lending. Competes with Huma for lender liquidity and is the benchmark on-chain credit venue; differs in lacking Huma's income-backed / PayFi specialization.
- Compound: Pioneer DeFi lending protocol with broad money-market functionality. A generalist incumbent that competes for liquidity provider capital but does not target income-backed or payment financing use cases.
- MakerDAO / Sky: Major DeFi credit and stablecoin protocol with a growing RWA allocation strategy. Comparable as both a credit venue and as a large-scale tokenized-RWA buyer that competes for the same institutional capital Huma targets.
Emerging players
- Morpho: DeFi lending optimizer and credit market built on top of Aave/Compound with peer-to-peer matching. Comparable as on-chain lending infrastructure; overlaps with Huma on credit market design but not on income-backing or payments.
- TrueFi: On-chain protocol for uncollateralized business lending using credit scoring. Comparable to Huma's income-backed credit thesis and SME borrower focus, though with a different pool structure.
Others
- Stellar (Stellar Development Foundation): Blockchain network optimized for cross-border payments and tokenized assets. Strategic investor and infrastructure partner of Huma; comparable as an underlying payments/RWA rail whose ecosystem economics overlap with Huma's PayFi thesis.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Huma Finance social profiles
Digital presenceHuma Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Huma Finance leadership team
Management profileNumber of profiles
Profiles1 record
Huma Finance funding detail
Funding detailFunding overview
Funding rounds4 records
Investors18 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Huma Finance M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Huma Finance
What does Huma Finance do?
Huma Finance operates the PayFi Network, a decentralized payment financing protocol that provides instant access to liquidity for global payments. The platform tokenizes real-world assets and enables income-backed lending across multiple blockchains including Solana, BSC, and Sei. It partners with fintech lenders such as Tala to finance receivables and payment flows at scale.
Is Huma Finance a public or private company?
Huma Finance is a private company. It is classified as venture growth investor backed and is currently operating.
When was Huma Finance founded?
Huma Finance was founded in 2023. It employs 1 to 10 people.
Where is Huma Finance based?
Huma Finance is headquartered in San Francisco, United States, in the North America region.
How does Huma Finance make money?
Two revenue lines are on record. Payment Financing Services are the primary driver. The others are income-backed Lending.
Who are Huma Finance's main competitors?
Direct peers on record are Goldfinch, Centrifuge, Maple Finance and Clearpool. Broad incumbents are Aave, Compound and MakerDAO / Sky. Emerging players are Morpho and TrueFi. Stellar (Stellar Development Foundation) is listed as an others.
Does Huma Finance have an API?
No public API is recorded for Huma Finance.
What industry is Huma Finance in?
Huma Finance's product category is Decentralized Finance (Payment Financing). Its primary akta.pro industry code is FSAPAEAA, Decentralized Lending & Credit Markets (overcollateralized/undercollateralized, P2P), with a secondary code of FSADAFAH, Crypto-Backed Business / SME Loans (Secured). Its NAICS code is 5222 and its SIC code is 6153.