With the launch of Huma 2.0, SOL holders can now earn up to 10.5% APY by participating in on-chain lending. This offers a compelling alternative to traditional yield products.
The upgrade aims to give crypto users a smarter way to put their SOL to work. It also helps scale real-world credit markets.
Earning Yield, The Smarter Way
Huma 2.0 introduces credit-based lending, where borrowers are assessed by reputation, not just collateral. This opens the door for real-world borrowers, like small businesses and fintech lenders, to tap into blockchain-based capital. In return, lenders get competitive yields on tokens like SOL, all within a transparent, automated system.
The headline rate is 10.5% APY on SOL. This is well above traditional savings and even some other staking options. This is possible because Huma’s protocol routes capital to vetted off-chain borrowers through partners like StackedFi, who originate loans for high-growth companies.
As of Q1-2025, the total value locked (TVL) in Solana’s DeFi ecosystem has surged past $4 billion, according to DefiLlama, reflecting growing confidence in Solana-native protocols like Huma.
Real-World Credit, On-Chain
What sets Huma 2.0 apart is its focus on real-world lending. Instead of limiting loans to crypto-native users, it connects blockchain liquidity with actual businesses needing capital. Think payroll financing, cash-flow loans, or revenue advances—all happening with blockchain rails behind the scenes.
Huma 2.0 brings 10.5% APY to @solana – here’s co-founder @0xErbil unpacking the double-digit yields on offer.
Watch Full Interview: https://t.co/yVLo4fHAcr pic.twitter.com/cLKdHanL6x
— SolanaFloor (@SolanaFloor) May 13, 2025
This trend is gaining traction fast. Tokenization firm Centrifuge has shown how real-world assets (RWAs) can find a home on-chain, with over $400 million in tokenized debt instruments already issued. Huma is now applying that playbook to Solana, using smart contracts and data-driven underwriting to minimize risk.
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