Huma Finance and Obligate Join Forces to Boost Trade Finance Liquidity Access

TL;DR

• Strategic Partnership: Huma Finance, Obligate, and TradeFlow have formed a joint initiative to expand access to trade finance liquidity.
• Infrastructure Upgrade: Obligate’s introduction of eTrackers strengthens onchain integration, offering yield-accruing products that align with Huma’s liquidity network.
• Global Expansion: Building on collaborations with Tala, Arf, and others, Huma’s PayFi network now processes $500 million monthly and holds $140 million in liquidity.
  

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At Solana Breakpoint 2025, Huma Finance announced a strategic partnership with Obligate and TradeFlow to expand access to trade finance liquidity. The collaboration links Huma’s stablecoin liquidity network with institutional trade finance channels, creating a compliant and scalable value chain. This move follows Huma’s recent partnership with Tala, underscoring its momentum in building tokenized lending and payment solutions for global markets.

Commodity trade represents around 25% of global trade, $4.5 trillion per year yet much of its financing remains slow and capital-inefficient.

Excited to announce our strategic partnership with Obligate and TradeFlow Capital, expanding our PayFi network to fuel global trade with… pic.twitter.com/YiwPLmBe8c

— Huma Finance 🟣 🇦🇪 Solana Breakpoint (@humafinance) December 12, 2025

Meeting Growing Demand for Real World Asset Yield

Real-world asset exposure continues to attract institutions and DeFi users seeking stable returns uncorrelated with crypto cycles. TradeFlow, with over eight years of experience, manages flows across 25 markets and converts commodity trade finance into investment-grade assets. Its track record of issuing $USDC-denominated eNotes through Obligate laid the groundwork for this collaboration. The liquidity protocol will provide scalable stablecoin liquidity, enabling lenders to capture yield more frequently as capital recycles through the system.

Upgraded Infrastructure to Support Onchain Integration

Obligate has enhanced its platform with eTrackers, a yield-accruing product designed for compatibility with onchain liquidity networks, such as Huma. This infrastructure upgrade strengthens the delivery of sustainable-yield products to DeFi users, asset managers, and enterprises. Leaders from all three organizations emphasized the importance of transparency and efficiency, positioning the partnership as a milestone in building a stronger onchain financial ecosystem. Commodity trade, representing 25% of world trade valued at $4.5 trillion annually, highlights the scale of opportunity.

Expanding the Landscape of Onchain Finance

Visa’s recent report spotlighted Huma’s PayFi network, which processes over $500 million in monthly transaction volume and maintains $140 million in liquidity. These figures reflect the growing integration of real-world financial activity with blockchain infrastructure. Regulatory advances, such as the GENIUS Act, have further strengthened institutional participation. Platforms like HF are building structured pathways to bring traditional financial instruments into onchain markets, meeting rising demand for compliant exposure.

Building on Previous Momentum

The partnership builds on Huma’s earlier initiatives, including a $50 million $USDC credit facility with Tala to support underbanked communities. Collaborations with Arf, Geoswift, and PolyFlow expanded same-day settlement solutions for merchants across Asia, reducing delays tied to local banking hours.

These efforts demonstrate the liquidity protocol’s commitment to modernizing payments and credit access globally. By joining forces with Obligate and TradeFlow, Huma is reinforcing its role as a key player in bridging DeFi liquidity with institutional-grade finance.