Real yield from
real payment flows

Explore Real Yield
  • $ 16B+ Transaction Volume
    Processed
  • $ 1B+ Monthly Payment
    Volume
  • $ 200M+ Total Active
    Liquidity
  • $ 0 Credit Default
  • $ 16B+ Transaction Volume
    Processed
  • $ 1B+ Monthly Payment
    Volume
  • $ 200M+ Total Active
    Liquidity
  • $ 0 Credit Default

Ways to access Real Yield

  • PayFi Strategy
    Token

    Tokenized exposure to Huma's payment-flow financing strategy. Earn structured yield backed by real-world trade and cross-border payment flows.

    APY up to

    8%

    Launch App PST Dashboard

  • Huma
    Prime

    Permissioned access to enhanced yield pools. For accredited investors seeking higher returns.

    APY up to*

    16.8%

    *Huma Prime’s APY reflects Defensive Looping™ strategy and varies with market conditions. See Huma Prime for full details and risk disclosures.

    Launch App

  • Huma
    Institutional

    Designed for institutional capital providers seeking exposure to payment-flow-backed yield.

    Contact Huma

Leading the Market

All yields shown as estimated APY averages for comparison purposes only.

Where our Real
Yield comes from

Cross-Border Payment Financing

Through Arf, Huma provides liquidity for international payment flows, helping payment companies reduce prefunding, unlock working capital, and accelerate settlement across corridors.

Trade Finance

Huma supports trade-related payment flows with stablecoin-based liquidity, helping suppliers and buyers access working capital faster.

Card Settlement Liquidity

Huma provides liquidity for card-related settlement flows, helping reduce capital lockups, working-capital requirements, and settlement delays.

Marketplace Payouts

Huma supports marketplace and platform payout flows with liquidity available when settlement demand arises, helping sellers and payment providers access funds faster.

T+0 Settlement

Huma helps eligible payment flows move from delayed settlement cycles toward same-day or real-time liquidity.

  • Cross-Border Payment Financing

    Through Arf, Huma provides liquidity for international payment flows, helping payment companies reduce prefunding, unlock working capital, and accelerate settlement across corridors.

  • Trade Finance

    Huma supports trade-related payment flows with stablecoin-based liquidity, helping suppliers and buyers access working capital faster.

  • Card Settlement Liquidity

    Huma provides liquidity for card-related settlement flows, helping reduce capital lockups, working-capital requirements, and settlement delays.

  • Marketplace Payouts

    Huma supports marketplace and platform payout flows with liquidity available when settlement demand arises, helping sellers and payment providers access funds faster.

  • T+0 Settlement

    Huma helps eligible payment flows move from delayed settlement cycles toward same-day or real-time liquidity.

The PayFi Network in a Nutshell

Real-world yield from payments that settle in days, not months.

  • What it is

    PayFi
    Strategy Token

    A USDC-denominated yield token backed by cross-border payment receivables.

  • What powers it

    Settlement Liquidity by Arf

    Huma's Swiss-regulated entity. Provides settlement liquidity to licensed financial institutions worldwide.

  • Why it's different

    1–7 Day
    Cycles

    Self-liquidating cross-border payment receivables that typically settle within days.

  • Verifiable on-chain
  • Continuously recycling yield
  • USDC-denominated
“Placeholder quote about how Huma's liquidity infrastructure lets us settle cross-border payments faster and free up working capital across corridors.”
Ali Erhat Nalbant CEO Arf

Cross-border payments

Through Arf, Huma supports liquidity infrastructure for international payment companies.

Read case study

Led by the
pioneers of PayFi.

Huma is led by experienced fintech and technology operators who introduced the PayFi Network and open PayFi Stack — bringing liquidity, settlement, and capital into one infrastructure layer.

Learn more

Modern payments need modern infrastructure.

Contact Huma Launch App

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