Huma Finance（Huma）代幣預先價格預測：針對7億美元的FDV

Huma Finance（Token：Huma）是在Binance Launchpool上發起的第70個項目，針對付款融資（PAYFI）行業，該項目是根據付款流提供資金的模型。簡單來說，Huma可以基於收入的融資

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.

Huma Finance正在解決一個切實的問題：從現實世界中的收入流中解鎖流動性。在Circle和Stellar的支持下，現在通過Binance Launchpool推出，Huma可能是將Payfi置於Web3下一個演變中心的項目。

Overview of Huma Finance

Huma Finance的概述

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.

Huma Finance（Token：Huma）是在Binance Launchpool上發起的第70個項目，針對付款融資（PAYFI）行業，該項目是根據付款流提供資金的模型。簡而言之，Huma可以實現基於收入的融資：例如，促進資金免於即將到來的發票或收入，利用Stablecoins和Defi促進更快的流動性獲得。

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.

該項目得到了Circle，Hashkey Capital和Stellar Development Foundation（SDF）等主要投資者的強烈支持，總籌集了4600萬美元。這使Huma在其令牌上市之前將其定位為強大的競爭者。

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.

截至2025年5月中旬，即Huma 2.0在Solana上發布僅兩週後，該協議已經記錄了超過40億美元的總交易量（TTV）。它還見證了令人印象深刻的用戶增長，活動錢包的數量增加了490％以上，從5,600到33,000。

Source: Dune

資料來源：沙丘

Huma Finance Tokenomics

Huma Finance Sokenomics

Token Allocation

令牌分配

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

Huma令牌的固定總供應量為100億。它的分佈結構如下：

Source: Huma

資料來源：他們

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.

大約有52.7％的代幣供應分配給了團隊和投資者：投資者20.6％，2％的早期支持者，團隊和顧問的19.3％，在財政部保留11.1％的長期發展。所有這些代幣都遭受了整整12個月的鎖定，其次是三年內的線性歸屬，每季度發生解鎖。

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.

這個歸屬時間表被認為相對較緊，這意味著令牌為團隊和投資者提供的釋放，只有在2026年5月開始。因此，預計Huma代幣將在其大型啟動後的第一年中面臨最小的大型持有人的銷售壓力。

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.

此外，Huma宣布了第二次Airdrop活動的計劃（佔總供應總額的2.1％），該計劃將在TGE發生三個月後進行，以合格的用戶為目標。大約在那個時候，該協議還將開始每季度分發LP獎勵。

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.

總體而言，Huma的Sokenomics被視為對社區友好型 - 將近一半的供應分配給了用戶，同時保持了強大的短期通貨膨脹控制。

User Score

用戶得分

9.9

Promotion

晉升

-10% Trading Fees

-10％的交易費

Get 10% Lifetime Cashback on Every Trade

每次交易獲得10％的終身現金返還

Source: Huma

資料來源：他們

Comparison with Recent Binance Launchpool Projects

與最近的Binance Launchpool項目進行比較

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:

為了估計Huma的潛在上市價格，研究最近的Binance發射池項目的表現很有幫助。下表總結了TGE價格，最初完全稀釋的估值（FDV），而ATH則用於Huma之前的四個發射池項目：

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

除WCT以外，最近的FDV啟動了最新的Launchpool項目，該項目的FDV較低。

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.

具體而言，Initia，Gunz和SXT的FDV均接近7億美元，而WCT的首次亮相約2.8億美元。上市後，這些代幣達到的高峰價格範圍從大約1.3倍到2.6倍。

These cases offer several useful reference points for evaluating HUMA:

這些案例為評估Huma提供了幾個有用的參考點：

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.

2025年5月的更廣泛的市場背景進一步增強了這種前景。比特幣最近達到了11.1萬美元的新歷史高點，恐懼和貪婪的指數深處是“極端貪婪”。流動性正在轉移到Altcoins，而新的二元列表正在從FOMO和SURPLUS CAPHATE獲得巨大的收益。

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.

重要的是，在特朗普推遲關稅執行後，BTC保持在其高點附近，宏觀條件看起來很平靜。結果，許多交易者本周正傾向於長期職位。

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

這種穩定的背景降低了Huma發射期間急劇搖擺的機會，從而幫助它順利地行駛了市場動力。

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

鑑於這些因素，如果Huma保持動力和投資者的興趣，那麼Huma在上市後表現良好。

Market Comparison

市場比較

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.

為了更好地掌握Huma的定位，我們可以將其與分散信貸和基於RWA的貸款空間中的兩名傑出參與者進行比較：羽流網絡（羽狀）和Truefi（TRU）（TRUEFI）（TRUEFI）（TRUEFI）（TRUEFI）（TRUEFI）（都被認為是Defi信貸和資產支持的融資中的早期先驅者。

HUMA vs PLUME

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

Plume是現實世界中資產（RWA）的專業1層區塊鏈（RWA），其TGE於2025年1月進行。該項目啟動了總供應