At Solana Breakpoint 2025, Huma Finance announced a strategic partnership with Obligate and TradeFlow to expand access to trade finance liquidity. The collaboration connects Huma’s stablecoin liquidity network with institutional trade finance channels, creating an integrated value chain that supports scalable and compliant investment flows. This announcement comes barely days after Huma’s recent partnership with Tala to launch a tokenized lending platform for the global underbanked.
Huma provides the stablecoin liquidity that fuels the system. Obligate delivers the compliant issuance infrastructure needed to support institutional participation. TradeFlow acts as the asset issuer, drawing on more than eight years of experience generating predictable yield through commodities trade finance. Together, the three players aim to introduce sustainable yield opportunities to a global base of decentralised finance users.
Meeting Growing Demand for Real World Asset Yield
Real-world asset exposure continues to attract institutions and DeFi users seeking stable returns that do not correlate with crypto market cycles. TradeFlow manages trade flows across more than 25 markets and converts commodities trade finance into investment-grade assets. TradeFlow’s successful track record with the Obligate platform in issuing $USDC-denominated eNotes laid the foundation for this new collaboration.
Huma will supply scalable stablecoin liquidity to support these trade finance products. The arrangement aligns with the network’s history of building compliant cross-border payment financing tools that eliminate pre-funding requirements and reduce settlement delays. These efficiencies help lenders capture yield more frequently as capital recycles through the system.
Upgraded Infrastructure to Support Onchain Integration
To enable this expansion, Obligate upgraded its platform with a new yield-accruing product called eTrackers. The enhancements improve compatibility with onchain liquidity networks such as Huma. The combined structure will deliver sustainable-yield products to decentralised finance users, asset managers, and enterprises seeking transparent, asset-backed exposure.
Leaders from all three organizations described the collaboration as an important step in strengthening the onchain financial ecosystem.
“Since Huma's inception in 2022, the network has grown to more than 100,000 liquidity providers by looking for institutional-grade yield opportunities that are uncorrelated to crypto markets. Commodity trade represents around 25% of world trade, $4.5 trillion per year. Partnering with Obligate and TradeFlow enables Huma to provide stablecoin liquidity to this ecosystem in a scalable and compliant way.” - Erbil Karaman, Co-Founder and Co-CEO at Huma Finance.
Matthias Wyss, CEO at Obligate, emphasized the shared objective of improving transparency and efficiency in capital markets. He highlighted the partnership’s potential to expand access to trusted onchain instruments for global investors.
Dr. Tom James, Co-Founder and CEO of TradeFlow, underscored the strong performance of TradeFlow’s asset-backed deals issued through Obligate and called the collaboration a way to bring stable, transparent yield to a broader investor audience.
Expanding the Landscape of Onchain Finance
In a recent report, Visa highlights Huma Finance’s expanding role in this space, noting that its PayFi network processes more than $500 million in monthly transaction volume and maintains more than $140 million in liquidity. These developments reflect a wider movement toward integrating real-world financial activity with blockchain infrastructure.
Regulatory advances, such as the GENIUS Act, have strengthened the foundation for institutional participation. Demand for compliant real-world asset exposure continues to rise, and platforms like Huma Finance have started to build structured pathways that bring traditional financial instruments into onchain markets.
Building on Previous Momentum
The partnership adds to Huma Finance’s string of efforts to modernize global payments and credit. It’s work with Tala introduced a tokenized lending platform designed for the global underbanked, supported by a 50 million $USDC credit facility deployed on Solana. The initiative created one of the largest onchain credit access channels for emerging market consumers.
Huma has also expanded its payment financing network through collaborations with institutions such as Arf, which joined the Circle Payments Network to improve credit access through same-day $USDC settlement liquidity. Additional partnerships with Geoswift and PolyFlow brought same-day settlement solutions to merchants on major e-commerce platforms, helping sellers in Asia manage delays tied to local banking hours.
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