Huma Finance · interactive mechanism simulation

Depositors fund the pool → the pool advances USDC against a tokenized payment receivable → the borrower (Arf) settles the corridor instantly → fiat arrives days later and repays principal + fee → yield flows back to depositors. Meanwhile HUMA token unlocks keep pressuring its price, independent of the lending business.
Depositors Classic / Maxi mode Huma Pool 0 USDC senior 70% / junior 30% Arf / borrower tokenizes receivable Payment corridor settles same-day HUMA token $0.117 First-loss cover 0 defaults
Cumulative volume financed
$0 USDC
Active pool balance
0 USDC
Depositor APY
0.0%
HUMA price
$0.117
Parameters — edit me
0.15%
2 days
70%
3/s
Controls

Illustrative simulation. Defaults mirror the researched Huma Finance mechanism (tranched receivable-backed advances, first-loss cover, HUMA token unlocks) but volumes and timing are randomized for visualization — not live onchain data. Drag the sliders, or trigger the unlock cliff to see the token/business disconnect. Part of The Onchain Experiment Atlas.