Huma Finance (HUMA) Token Pre-TGE Price Prediction: Targeting the $700M FDV

HUMA Finance (token: HUMA) is the 70th project launched on Binance Launchpool, targeting the Payment Financing (PayFi) sector – a model that provides funding based on payment streams. In simple terms, HUMA enables income-based financing

Huma Finance is tackling a tangible problem: unlocking liquidity from real-world income streams. Backed by Circle and Stellar, and now launching via Binance Launchpool, HUMA could be the project that puts PayFi at the center of Web3’s next evolution.

Overview of Huma Finance

HUMA Finance (token: HUMA) is the 70th project launched on Binance Launchpool, targeting the Payment Financing (PayFi) sector – a model that provides funding based on payment streams. In simple terms, HUMA enables income-based financing: for example, advancing funds against upcoming invoices or income, leveraging stablecoins and DeFi to facilitate faster liquidity access.

The project is strongly backed by major investors such as Circle, HashKey Capital, and the Stellar Development Foundation (SDF), with a total of $46 million raised. This has positioned HUMA as a strong contender ahead of its token listing.

As of mid-May 2025, just two weeks after the launch of Huma 2.0 on Solana, the protocol had already recorded over $4 billion in total transaction volume (TTV). It also witnessed impressive user growth, with the number of active wallets surging by more than 490% – from 5,600 to 33,000.

Source: Dune

Huma Finance Tokenomics

Token Allocation

The HUMA token has a fixed total supply of 10 billion. Its distribution is structured as follows:

Source: Huma

Approximately 52.7% of the total token supply is allocated to the team and investors: 20.6% to investors, 2% to pre-sale early backers, 19.3% to the team and advisors, and 11.1% reserved in the treasury for long-term development. All of these tokens are subject to a full 12-month lock-up, followed by linear vesting over three years, with unlocks occurring quarterly.

This vesting schedule is considered relatively tight, meaning that token unlocks for the team and investors will only begin in May 2026. As a result, the HUMA token is expected to face minimal sell pressure from large holders during its first year post-launch.

Additionally, HUMA has announced plans for a second airdrop campaign (2.1% of total supply), set to take place three months after the TGE, targeting eligible users. Around that time, the protocol will also begin distributing LP rewards on a quarterly basis.

Overall, HUMA’s tokenomics are viewed as community-friendly – with nearly half of the supply allocated to users, while maintaining strong short-term inflation control.

User Score

9.9

Promotion

-10% Trading Fees

Get 10% Lifetime Cashback on Every Trade

Source: Huma

Comparison with Recent Binance Launchpool Projects

To estimate HUMA’s potential listing price, it’s helpful to examine the performance of recent Binance Launchpool projects. The table below summarizes the TGE price, initial fully diluted valuation (FDV), and ATH for the four Launchpool projects that preceded HUMA:

Most recent Launchpool projects launched with FDVs near $700M, except WCT, which had a lower FDV due to supply.

Specifically, Initia, GUNZ, and SXT all launched with FDVs close to $700M, while WCT debuted at approximately $280M. Post-listing, these tokens reached peak prices ranging from approximately 1.3x to 2.6x their TGE prices.

These cases offer several useful reference points for evaluating HUMA:

The broader market backdrop in May 2025 further strengthens this outlook. Bitcoin recently hit a new all-time high of $111K, with the Fear & Greed Index deep in “Extreme Greed.” Liquidity is shifting into altcoins, and new Binance listings are seeing strong gains from FOMO and surplus capital.

Importantly, BTC is holding near its highs and macro conditions look calm after Trump delayed tariff enforcement. As a result, many traders are leaning toward long positions this week.

This stable backdrop lowers the chance of sharp swings during HUMA’s launch, helping it ride market momentum smoothly.

Given these factors, HUMA stands a strong chance of performing well after listing, if it maintains momentum and investor interest.

Market Comparison

To better grasp HUMA’s positioning, we can compare it with two prominent players in the decentralized credit and RWA -based lending space: Plume Network (PLUME) and TrueFi (TRU) – both considered early pioneers in DeFi credit and asset-backed financing.

HUMA vs PLUME

Plume is a specialized Layer-1 blockchain for real-world assets (RWA), with its TGE taking place in January 2025. The project launched with a total supply