Huma Protocol records historic growth in transaction volume driven by PayFi and staking

Huma Protocol recorded historic growth in the third quarter of 2025, driven by PayFi and a staking system that is transforming global liquidity.

According to the recent report State of Huma Finance Q3 2025, Published by Messari, the platform closed a third quarter with figures that mark a historic record in its trajectory. 

The progress achieved by this protocol is based on the consolidation of the PayFi narrative, a concept that merges everyday payments with decentralized finance to optimize liquidity in global markets. During the period analyzed by experts, the protocol not only increased its transaction volume but also strengthened its infrastructure through strategic alliances with industry giants and massive participation in its staking system.

Sustained growth and institutional trust mark Huma Protocol's expansion

The data analyzed in Messari's report shows that Huma Protocol handled transactions totaling $1.700 billion between July and September 2025This represents a 24,4% increase compared to the previous quarter, when the volume reached $1.400 billion. 

The report underlines that this uptick in transactions reflects increasingly robust institutional adoption and a notable improvement in efficiency. credit originationwhich totaled $860,6 million during the same period. This surge confirms the growing confidence of companies in on-chain financing solutions to optimize their international operations and overcome the limitations of the traditional financial system.

In addition to this, the development of Huma 2.0 also This has been one of the main drivers of the protocol's growth. This update introduced a performance model based on verifiable payment flows, which strengthens the connection between real economic activity and income-generating opportunities within the crypto ecosystem. 

At the end of September, deposits in this new version reached $151,6 million, a 132,3% increase compared to the $65,1 million recorded at the end of June, according to Messari. Users showed a clear preference for the classic investment mode, focused on generating income in stablecoins, demonstrating a trend toward more stable instruments with predictable value.

The metrics above demonstrate that the Huma protocol is currently positioned as one of the leading decentralized infrastructures focused on cash flow financing and the tokenization of real loans via blockchain. Its design connects lenders and institutions with credit opportunities backed by verifiable income, fostering a more transparent and efficient financial framework. 

As the protocol continues to integrate real-world financial instruments, its role within the DeFi ecosystem points towards the consolidation of secure and scalable alternatives for digital credit.

Huma has strengthened its presence in global payments

The growth of the Huma ecosystem reflects a sustained commitment from its community. During the quarter analyzed by Messari in its reportUsers staked 266,6 million HUMA tokens into the rewards system, with an estimated value of $9,1 million. This stake represents 16% of the total staking-enabled supply and marks a quarterly increase of 46,4%. 

The incentive policies promoted by the foundation, focused on the allocation of governance rights and bonuses for liquidity providers, have consolidated an environment of active participation that strengthens the stability of the protocol and facilitates its continued expansion.

But, according to the firm, Huma Protocol's progress isn't limited to its internal metrics. Its integration with established financial networks has also strengthened its position within the regulated payments segment. Since the end of September, the platform has been acting as a liquidity provider within Circle Network, the cross-border infrastructure managed by the USDC issuer. Thanks to this collaboration, financial institutions can settle international transactions almost instantly and without holding funds in pre-existing accounts, reducing costs and improving operational efficiency.

In parallel, a partnership with Geoswift has enabled same-day payments for Amazon sellers in Asia. All of these advancements demonstrate Huma's ability to connect with the global digital economy and offer functional solutions to the challenges of real-time settlement in e-commerce.

What is Huma Protocol? A fusion of DeFi and real liquidity

To understand the impact of the above data, it is essential to define Huma Protocol. This digital protocol presents itself as a financial infrastructure that seeks to unite capital from decentralized finance with the liquidity needs that arise in the real economy. 

Their proposal is based on a model known as PayFi, an innovation that allows the use of future cash flows—such as commercial invoices, credit card revenue, or international remittances—as collateral to access credit lines in near real-time. This is achieved through smart contracts deployed on high-performance networks such as Solana y PolygonThe protocol automates the financing process and reduces waiting times that typically limit traditional banking mechanisms.

Huma operates on a dual structure that caters to different profiles within the financial ecosystem. For example, Huma Institutional offers a regulated environment focused on accredited investors seeking stable returns within a regulatory compliance framework. Simultaneously, Huma 2.0 allows users to deposit the USDC stablecoin into liquidity pools that fund loans issued within the network. In return, they earn sustainable returns generated by the fees paid by borrowers.

The report State of Human Finance Q3 2025 Messari highlights that this integration between capital and technology has positioned the protocol as a key component within global financial logistics. 

Thanks to its design, the movement of capital can flow with the agility with which information circulates on the internet, paving the way for a more efficient model for real-world asset-based financing.