Huma Finance is a protocol foundation firm based in San Francisco, United States that huma finance is a decentralized protocol for payment financing, a category it brands as payfi. founded in 2022 by richard liu and erbil karaman and based in san francisco, it provides on-chain liquidity for use cases such as cross-border payments, stablecoin-backed cards and trade finance, letting businesses draw liquidity against future receivables. the protocol operates across chains including solana and stellar. as of 2025 huma reported more than 2.3 billion dollars in credit originated and roughly 4.5 billion dollars in total transaction volume, targeting 10 billion dollars in all-time volume. in september 2024 it raised 38 million dollars, and its huma token launched in may 2025 via a binance alpha listing and airdrop distributing 5 percent of supply. They serve clients in United States, Global. Huma Finance is listed on The Token Playbook's vetted provider registry at thetokenplaybook.com/registry/huma-finance.