Huma Finance (HUMA): D-Score 23/100 — Centralized Leaning BlockIndex D-Score: 23/100 (Centralized Leaning). Huma Finance (HUMA) is a Layer 2 cryptocurrency using Other consensus. Huma Finance: PayFi-focused BEP-20 token enabling instant on-chain settlement liquidity for payments and trade finance. Source: https://blockindex.ai/coin/huma · Data by BlockIndex.AI · Updated 2026-06-19 D-Score breakdown (0-100, higher means more decentralized) Component: Score: Overall D-Score: 23: Node distribution: 0: Initial distribution: 0: Governance: 16: Age and history: 7: Autonomy: 0: Key facts - Layer: Layer 2 - Consensus: Other (N/A) - Launch: Other - Founder: N/A - VC funded: No - Max supply: 10,000,000,000 - Circulating: 3,260,843,970 (32.6%) Market data (as of 2026-06-19) - Price: $0.02 - Market cap: $76.14M - 24h volume: $8.8M - 24h change: -7.02% · 7d change: +6.82% About Huma Finance (HUMA) is presented in the supplied materials as a PayFi-focused BEP-20 token designed to provide instant on-chain liquidity for payment settlement and financing use cases. The project positions itself as an enabler for traditional payment rails and institutions to access 24/7 blockchain liquidity, with specific mention of cross-border payments, credit card settlement, trade finance and DePIN financing use cases. The available source snapshots (CoinMarketCap and exchange/wallet datasets) emphasize market-facing metrics — price, market cap, circulating supply, holders and contract references — rather than an explicit founding narrative, dated roadmap, or team biographies. As a result, the public-facing story in the provided files stresses market availability, liquidity access, and settlement-focused product framing rather than detailed technical roadmaps or governance structures. Technically, the provided data establishes HUMA as a token contract deployed on BNB Smart Chain (BEP-20). The scraped snapshots include a truncated contract (0x9251...5ba8e6) and a CoinMarketCap DEX-mode link pointing to a BSC token page, which confirms EVM-compatible deployment and typical token infrastructure. There is no on-chain protocol history, consensus mechanism, block timing or TPS data because HUMA is not a native Layer-1 chain — the project relies on BNB Smart Chain for execution, block production and transaction settlement. The dataset therefore contains no repository links, release notes or protocol-versioned artifacts; open-source status and license information are not provided in the supplied files. From a use-case and adoption perspective the snapshot evidence indicates active market listing and tradability: CoinMarketCap captures price, market cap, holders (approx. 28.95K), and trading volume, and the token appears in BSC DEX views (e.g., PancakeSwap references). These indicators point to accessible liquidity across both centralized exchanges and BSC-based decentralized markets; the verified exchange list in the supplied files includes multiple Tier-1 centralized platforms (Binance, Coinbase, Kraken, Bybit, Bitget) plus PancakeSwap in the DEX space. However, the data lacks confirmed integration or partnership announcements, audited settlement integrations, or production-grade payment rail integrations; the narrative of PayFi capabilities is a market positioning claim in the available materials rather than a documented set of live, named payment institution deployments in the scraped content. Tokenomics data present in the files is clear on supply metrics but sparse on allocation detail. The captured market snapshot lists a circulating supply of 2,591,133,333 HUMA and a max supply of 10,000,000,000 HUMA (10B). The provided price snapshot (~$0.032522) yields an on-snapshot market cap around $84.26M and a fully diluted valuation of roughly $325.22M. The scrape does not provide an allocation breakdown (team, advisors, treasury, vesting schedules) nor an explicit premine/PIP percentage, so distribution-related scoring inputs are absent from the supplied dataset. Likewise, there is no staking or validator economics because the asset is an EVM token rather than a staking-native chain token. Governance, legal status and security history are not documented in the provided files. There is no mention of a corporate entity (company/foundation), no explicit CEO or named executive team in the scraped material, no DAO/governance system described, and no recorded security incidents in the supplied snapshots. These gaps limit any assessment of organizational centralization, regulatory posture or governance maturity based solely on the provided inputs. In summary, the supplied materials establish HUMA as a market-listed BEP-20 PayFi token with clear supply and price snapshots and multi-exchange accessibility, but they do not include detailed founding, governance, allocation, or technical repository information necessary for a complete DSCORE calculation or a full protocol-level security/upgrade history. Links - Website: https://huma.finance/ - Whitepaper: N/A - GitHub: N/A --- About the D-Score: BlockIndex.AI rates decentralization from 0 to 100 across node distribution, initial distribution, governance, age and history, and autonomy. Methodology: https://blockindex.ai/dscore