Huma Finance（Huma）代币预先价格预测：针对7亿美元的FDV

Huma Finance（Token：Huma）是在Binance Launchpool上发起的第70个项目，针对付款融资（PAYFI）行业，该项目是根据付款流提供资金的模型。简单来说，Huma可以基于收入的融资

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正在解决一个切实的问题：从现实世界中的收入流中解锁流动性。在Circle和Stellar的支持下，现在通过Binance Launchpool推出，Huma可能是将Payfi置于Web3下一个演变中心的项目。

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上发起的第70个项目，针对付款融资（PAYFI）行业，该项目是根据付款流提供资金的模型。简而言之，Huma可以实现基于收入的融资：例如，促进资金免于即将到来的发票或收入，利用Stablecoins和Defi促进更快的流动性获得。

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.

该项目得到了Circle，Hashkey Capital和Stellar Development Foundation（SDF）等主要投资者的强烈支持，总筹集了4600万美元。这使Huma在其令牌上市之前将其定位为强大的竞争者。

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上发布仅两周后，该协议已经记录了超过40亿美元的总交易量（TTV）。它还见证了令人印象深刻的用户增长，活动钱包的数量增加了490％以上，从5,600到33,000。

Source: Dune

资料来源：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令牌的固定总供应量为100亿。它的分布结构如下：

Source: Huma

资料来源：他们

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.

大约有52.7％的代币供应分配给了团队和投资者：投资者20.6％，2％的早期支持者，团队和顾问的19.3％，在财政部保留11.1％的长期发展。所有这些代币都遭受了整整12个月的锁定，其次是三年内的线性归属，每季度发生解锁。

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.

这个归属时间表被认为相对较紧，这意味着令牌为团队和投资者提供的释放，只有在2026年5月开始。因此，预计Huma代币将在其大型启动后的第一年中面临最小的大型持有人的销售压力。

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活动的计划（占总供应总额的2.1％），该计划将在TGE发生三个月后进行，以合格的用户为目标。大约在那个时候，该协议还将开始每季度分发LP奖励。

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.

总体而言，Huma的Sokenomics被视为对社区友好型 - 将近一半的供应分配给了用户，同时保持了强大的短期通货膨胀控制。

User Score

用户得分

9.9

Promotion

晋升

-10% Trading Fees

-10％的交易费

Get 10% Lifetime Cashback on Every Trade

每次交易获得10％的终身现金返还

Source: Huma

资料来源：他们

Comparison with Recent Binance Launchpool Projects

与最近的Binance Launchpool项目进行比较

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:

为了估计Huma的潜在上市价格，研究最近的Binance发射池项目的表现很有帮助。下表总结了TGE价格，最初完全稀释的估值（FDV），而ATH则用于Huma之前的四个发射池项目：

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启动了最新的Launchpool项目，该项目的FDV较低。

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.

具体而言，Initia，Gunz和SXT的FDV均接近7亿美元，而WCT的首次亮相约2.8亿美元。上市后，这些代币达到的高峰价格范围从大约1.3倍到2.6倍。

These cases offer several useful reference points for evaluating HUMA:

这些案例为评估Huma提供了几个有用的参考点：

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月的更广泛的市场背景进一步增强了这种前景。比特币最近达到了11.1万美元的新历史高点，恐惧和贪婪的指数深处是“极端贪婪”。流动性正在转移到Altcoins，而新的二元列表正在从FOMO和SURPLUS CAPHATE获得巨大的收益。

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，在特朗普推迟关税执行后，BTC保持在其高点附近，宏观条件看起来很平静。结果，许多交易者本周正倾向于长期职位。

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

这种稳定的背景降低了Huma发射期间急剧摇摆的机会，从而帮助它顺利地行驶了市场动力。

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

鉴于这些因素，如果Huma保持动力和投资者的兴趣，那么Huma在上市后表现良好。

Market Comparison

市场比较

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.

为了更好地掌握Huma的定位，我们可以将其与分散信贷和基于RWA的贷款空间中的两名杰出参与者进行比较：羽流网络（羽状）和Truefi（TRU）（TRUEFI）（TRUEFI）（TRUEFI）（TRUEFI）（TRUEFI）（都被认为是Defi信贷和资产支持的融资中的早期先驱者。

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是现实世界中资产（RWA）的专业1层区块链（RWA），其TGE于2025年1月进行。该项目启动了总供应