Binance Launchpool has announced its 70th project: Huma Finance (HUMA). This initiative allows users to farm HUMA tokens by staking BNB, FDUSD, or USDC. Spot trading for HUMA is scheduled to begin at 21:00 (UTC+8) on May 26, 2025.
It's important to note that Binance is the first platform to list HUMA. Any offers to sell the token before the official timeline are fraudulent. Always conduct your own research to protect your assets.
This is a general announcement. Products and services mentioned may not be available in your region.
What is Huma Finance?
Huma Finance is a decentralized protocol focusing on on-chain credit and income-backed lending. It aims to facilitate low-collateral or income-based loans—an area where many DeFi platforms have struggled to operate securely and efficiently.
HUMA uses verified income streams or employment data for credit scoring. This approach could unlock borrowing opportunities for users in developing markets or those without crypto-native collateral.
While not the first project to explore real-world asset-backed lending, HUMA’s integration with decentralized protocols and its focus on identity and income verification make it a unique player in the DeFi space.
Background and Vision
Huma Finance was initiated in 2024–2025 by a team of Web3 engineers and fintech veterans. The project aims to address global inefficiencies in lending and payments by building decentralized, programmable tools for real-world use.
Starting with early partnerships in emerging markets and pilot integrations with fintech platforms, Huma has grown into one of the most anticipated DeFi projects in the payments sector. Its listing on Binance marks a significant milestone and reflects growing interest from both users and institutions.
HUMA Tokenomics
- Token Name: Huma Finance (HUMA)
- Total Token Supply: 10,000,000,000 HUMA
- Max Token Supply: 10,000,000,000 HUMA
- Initial Circulating Supply: 1,733,333,333 HUMA (17.33% of total supply)
- Launchpool Allocation: 250,000,000 HUMA (2.50% of max supply)
Additional allocations include:
- 50,000,000 HUMA for post-listing marketing campaigns (details to be announced)
- 40,000,000 HUMA for marketing three months after listing (details to be announced)
Smart Contract Addresses:
- BNB Chain:
0x92516e0DDf1dDBF7FAB1b79CaC26689fDC5ba8e6 - Solana:
HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw
A research report on Huma Finance will be published within 48 hours of the announcement. Listing fees are set at zero, but KYC verification is required.
How to Participate in HUMA Farming
The farming period runs from 08:00 (UTC+8) on May 23, 2025, to 07:59 (UTC+8) on May 26, 2025. Participants can stake assets in one of three pools:
Reward Pool Breakdown
- BNB Pool: 212,500,000 HUMA (85% of rewards)
- FDUSD Pool: 12,500,000 HUMA (5% of rewards)
- USDC Pool: 25,000,000 HUMA (10% of rewards)
The Launchpool website will be updated approximately twelve hours before the farming begins.
Daily Reward Allocation
| Date (UTC) | Total Daily Rewards | BNB Pool | FDUSD Pool | USDC Pool |
|---|---|---|---|---|
| May 23 – May 25 | 83,333,333 HUMA | 70,833,333 HUMA | 4,166,666 HUMA | 8,333,333 HUMA |
Note: UTC time translates to 08:00–07:59 (UTC+8) the following day.
Individual Hourly Caps
- BNB Pool: 295,138 HUMA per hour
- FDUSD Pool: 17,361 HUMA per hour
- USDC Pool: 34,722 HUMA per hour
Step-by-Step Guide to Staking
- Update your Binance app to version 2.89.0 or higher.
- Complete identity verification (KYC).
- Navigate to the Launchpool section once the event begins.
- Stake BNB, FDUSD, or USDC in your chosen pool.
- Rewards are updated hourly and can be claimed to your spot account at any time.
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Assets staked in the BNB pool still qualify for standard BNB holder benefits, such as airdrops and VIP privileges. However, BNB used as collateral in flexible loan products will not earn Launchpool rewards.
Important Considerations
- Users from restricted regions cannot participate. Currently, this includes Australia, Canada, Cuba, Crimea, Iran, Japan, New Zealand, the Netherlands, North Korea, Syria, the U.S. (and its territories), and non-government-controlled areas of Ukraine. This list may change.
- Binance reserves the right to disqualify users engaging in fraud or abuse, such as multi-accounting or using fake identities.
- You can unstake and move assets between pools at any time, but you cannot stake the same assets in multiple pools simultaneously.
- Once the farming period ends, all staked assets and unclaimed rewards will be returned to your spot account automatically.
Market Impact and Significance
Binance’s launch of HUMA reflects a strategic shift toward reward-based token distribution. This method encourages user participation beyond mere speculation, aligning with HUMA’s core mission of improving financial inclusion through decentralized credit solutions.
The integration of Alpha Points also highlights Binance’s focus on rewarding user loyalty and engagement, potentially setting a new standard for future token launches.
Frequently Asked Questions
What is Huma Finance?
Huma Finance is a decentralized lending protocol that uses real-world income data to offer low-collateral loans. It aims to expand credit access in underserved markets through blockchain technology.
When does HUMA trading start?
HUMA spot trading begins on Binance at 21:00 (UTC+8) on May 26, 2025. Trading pairs include HUMA/USDT, HUMA/USDC, HUMA/BNB, HUMA/FDUSD, and HUMA/TRY.
Can I stake multiple assets at once?
Yes, you can stake different assets in different pools. However, the same assets cannot be staked in multiple pools simultaneously.
How are rewards calculated?
Rewards are based on hourly snapshots of your average stake in each pool. You can claim rewards at any time during the farming period.
What happens to my rewards after the event?
Unclaimed rewards and staked assets are automatically returned to your spot account once the farming period concludes.
Is KYC mandatory?
Yes, you must complete identity verification to participate in the Launchpool.
Final Notes
The launch of HUMA on Binance Launchpool offers an accessible way to earn a new token by staking popular assets. Always verify official announcements and be cautious of scams. For the latest updates, refer to the Binance Launchpool page once it goes live.
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Remember that cryptocurrency investments carry risks. Only stake what you can afford to lose, and make informed decisions based on your research.