7/15(水) 13:00-21:00 The Capital Summit Tokyoの登壇者が続々決定！ @CapSummitGlobal \ 登壇者情報＆パネルテーマ公開 / ・Kudasai JP：Yohei Wakita 氏 ・Huma Finance：Jessica Cao 氏 ・Pharos Network：Laura Shi 氏 ・Gauntlet：Nicholas Cannon 氏 @kudasai_japan @humafinance @pharos_network @gauntlet_xyz イベント詳細・お申込みはこちら

Huma Turns 4 today. Huma was founded on April 20, 2022 with a clear mission — to accelerate the movement of money for a world that is always on. This is the story behind that mission. The inspiration came from our founders’ experience building EarnIn, a leading payment financing app. EarnIn helped tens of millions of Americans access their wages in real time instead of waiting for weeks, avoiding end of month cash flow challenges that often led to debt spirals. It wasn't easy. Even after scaling EarnIn to more than $10B in cashouts with less than 1% loss rates, it was difficult to find lenders willing to finance payment gaps for a few days. Retrofitting AI-driven real-time solutions on top of existing banking infrastructure revealed a stark truth. The future of finance could not be built on legacy rails. So, they left EarnIn to build a new payment financing layer at global scale. The first prototype won the DeFi track at EthDenver. Shortly after, Huma was founded. Huma 1.0 launched in 2023 with a handful of LPs and early partners believing in our mission, building alongside us. Each partner validated a different real world use case: - Arf focused on cross-border payments - Rain focused on card settlement - Jia focused on trade finance In early 2024, Huma crossed $1B in transaction volume. It became clear that Arf's regulated infrastructure is critical to onboard larger global payment companies. The two teams merged, combining onchain infrastructure with regulated financial rails. Since then, the network has grown 10x. @SolanaFndn was first to recognize PayFi’s potential and offered a partnership to build the category. Huma went all in, rebuilding its stack on Solana, believing global liquidity solutions belong to the fastest growing ecosystem with the highest TPS. Huma 2.0 and PST (PayFi Strategy Token) launched in April 2025, followed by the HUMA token in May with full ecosystem alignment. Partnerships with @JupiterExchange and @kamino helped scale PST, letting everyone on Solana access yield from real world payment flows. Our leadership in the ecosystem was recognized by an invitation to the Genius Act signing ceremony at the White House. Huma now leads the PayFi category with measurable scale: - $12B total transaction volume - $160M active liquidity - 100K+ depositors - PST has become a core onchain yield primitive All of this is to say, thank you. To the teams at Huma and Arf, our investors, and every partner who backed PayFi before it had a name, thank you. To our community, none of this happens without you. As the first PayFi network, we have come a long way in advancing our mission to accelerate the movement of money for a world that is always on. There is still much more to build.

Web3 payment infrastructure is evolving fast. Join Jessica Cao @jessc2049, APAC CEO of @humafinance, at the upcoming #Web3Festival# for the panel: PayFi Infrastructure - Web3 Payment. 🗓️3:00–3:40 PM, 21 April 📍Stage 2 | Hall5BC Mark your calendar. 👉