EIA refining facility utilization rate in the United States for the week ending July 25

Circle, valued at $9 billion, is one of the largest companies in the crypto industry. This article is a full list of Circle Ventures investments from 2023 to the present.

In the wave of blockchain financial innovation, the HUMA Token is pioneering a brand new field - the PayFi network. This groundbreaking network cleverly integrates payment and financing infrastructure, providing strong support for income flows in the real economy and on-chain credit based on accounts receivable. The innovation of HUMA lies in allowing users to use future income streams as collateral for loans. These income streams can take the form of salaries, invoices, or remittances. The core of this model is an unsecured lending system built on the time value of money (TVM) model. By deeply analyzing users' cash flow patterns, the HUMA protocol can quickly and securely provide liquidity support for users through smart contract technology. This liquidity can typically reach 70% to 90% of the expected future income, offering users significant financial flexibility. It is worth noting that the use of HUMA Token is limited to applications within its ecosystem, while also serving as a governance token. This design ensures the effectiveness of the internal economic cycle and governance of the HUMA network. With the introduction of the PayFi concept, HUMA is redefining the boundaries of blockchain finance, providing users with more flexible and efficient lending options. This innovation is expected to change people's traditional perceptions of income, lending, and liquidity management in the future.

In the current Crypto Assets market, HUMA stands out with its unique value proposition and growth potential, becoming the focus of investors' follow. At present, the price of HUMA hovers around 0.0364 dollars, which is considered to be a highly attractive get on board point. From a valuation perspective, HUMA's fully diluted valuation is only 75 million USD, which seems quite conservative compared to industry giants. This figure is far lower than the market capitalization of RWA leaders MakerDAO and payment giant Ripple. Considering that HUMA's average daily trading volume has exceeded 50 million USD, and it can continuously provide an annualized return of 10%-18%, its current valuation seems to underestimate its actual value and potential. The development trajectory of HUMA is also remarkable. Recently, it has partnered with global payment giant Visa to explore the Southeast Asian market. At the same time, HUMA is actively laying out Ethereum Layer2 to enhance its cross-chain interaction capabilities. These strategic initiatives not only expand HUMA's market coverage but also strengthen its technological capabilities. It is worth mentioning that investments from well-known institutions such as Circle Ventures have injected strong confidence and liquidity support into HUMA. The token economic model design of HUMA is intricate, incorporating multiple value capture mechanisms. Firstly, the token burning mechanism during the payment process helps to reduce circulation. Secondly, the staking mechanism provides holders with significant passive income, with an annualized yield ranging from 5.8% to 9.3%. Lastly, 50% of the protocol revenue is used to repurchase and burn tokens, further reinforcing the deflationary effect. As of the second quarter of 2025, 140 million tokens have been burned, and this trend is expected to continue. However, investors also need to remain vigilant. The upcoming token unlock may bring short-term market fluctuations. Nevertheless, considering the long-term development prospects of HUMA, its innovations in the cross-border payment sector, and its strong deflationary mechanism, the current price level may offer a highly attractive get on board opportunity for long-term investors. As the Crypto Assets market continues to mature, projects like HUMA, which combine technological innovation with practical application scenarios, are expected to play an important role in the future financial ecosystem. When considering getting on board HUMA, investors should comprehensively assess its technological advantages, market expansion capabilities, and overall industry trends to make informed investment decisions.

The financial world is undergoing a transformation, and Huma Finance, as the world's first PayFi network, is at the forefront of this revolution. By innovatively converting income streams such as payroll and invoices into lendable digital assets, Huma Finance is redefining the time value of money using Blockchain technology. In addressing the pain points of traditional finance, Huma Finance's six-layer PayFi Stack infrastructure performs exceptionally well. It not only enables instant cross-border remittances but also reduces costs to just 0.3%. For the e-commerce sector, order-based lending services have increased supply chain turnover speed by 87%, greatly improving operational efficiency. In the ecosystem of Huma Finance, all participants can achieve substantial returns. Institutions can obtain working capital through collateral, while ordinary users can earn annual returns of up to 10.5%-24% by depositing coins. The HUMA token adopts a deflationary mechanism, with the number of community interactions exceeding 500,000, showing a rapid growth trend. Security is another major highlight of Huma Finance. Thanks to its three-layer security defense, the platform has maintained a zero default record to date. Currently, Huma Finance's business has covered 47 countries and successfully raised $46 million in funding. Looking to the future, Huma Finance has developed ambitious growth plans. By 2025, the platform will achieve integration with CBDC (Central Bank Digital Currency) and focus on expanding into the Asia-Pacific market. This not only marks Huma Finance's important position in global financial innovation but also signals the imminent deep integration of traditional finance and emerging financial technology. With Huma Finance continuously driving financial innovation, we have reason to believe that more efficient, inclusive, and secure financial services will soon become a reality. This financial transformation led by Huma Finance is bringing an unprecedented financial experience to users around the world.

In the field of Crypto Assets, Huma Finance is attracting follow with innovative approaches. Unlike XRP, which focuses on the efficiency of cross-border payments, Huma Finance cleverly combines payment and financing functions through its PayFi network. This unique model provides unprecedented opportunities for small businesses, especially those in emerging markets. For example, an African enterprise can not only quickly receive payments from European clients but also use these receivables as collateral to obtain much-needed operational funding. This innovation transcends the limitations of traditional payment tools. The influence of Huma Finance has already become apparent. According to reports, the platform has facilitated approximately $2.3 billion in credit issuance, serving groups such as small and medium-sized enterprises and cross-border workers. These groups often find it difficult to obtain effective services from traditional financial institutions or conventional decentralized finance (DeFi) platforms. From the perspective of token economics, the total supply of HUMA tokens is 10 billion, with a current market value of around 60 million USD. Considering its potential market size – a global cash flow market of approximately 30 trillion USD – the current valuation may be underestimated. With Huma Finance's further integration into the Solana ecosystem and the launch of new features such as auto-compounding vaults, the platform is turning the concept of "income as collateral" into reality. This innovation could redefine the notion of credit in the Crypto Assets space, making Huma Finance not just another payment project, but an emerging force that is changing the landscape of crypto finance. As time goes by, the market may gradually recognize the unique value of Huma Finance. It is not merely imitating existing payment solutions, but exploring a whole new model of financial services, which could have a profound impact on the entire Crypto Assets and fintech industry.