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HUMA community chat: holders verified by wallet

What Huma Finance (HUMA) is on Solana, where the HUMA community talks today, and how a Cherry room gated by the real HUMA mint checks every member.

Cherry Team Published Updated 6 min read

The HUMA community is the crowd around Huma Finance, a payment-financing network whose token trades on Solana as an SPL token at mint HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw. 21,982 wallets held it on 13 September 2026, spread across a Discord server, an X account and exchange order books where no member list proves a balance. Cherry (cherry.fun) is a wallet-to-wallet messenger and community app for crypto: you sign in with a wallet, DM any address, and join group chats that read the chain themselves. Cherry runs a HUMA Holders room at chat.cherry.fun/@huma , gated by a HUMA balance. Cherry is not affiliated with the Huma Finance team.

What HUMA is

Huma Finance calls itself a PayFi network: it puts stablecoin liquidity behind payments that would otherwise wait days on a bank. Built by 00labs and co-founded by Richard Liu, it finances cross-border settlement on one-to-seven-day repayment cycles, trade finance on thirty-to-ninety-day terms, and accelerated payouts for marketplace sellers. Huma’s site reports more than $18 billion in total transaction volume and a zero credit default rate across three years of on-chain lending, as of September 2026.

Huma 2.0, the permissionless version anyone can deposit into, was announced for Solana on 10 April 2025. Its deposit receipt, the PayFi Strategy Token, is a yield-bearing token other Solana protocols accept. HUMA is a utility and governance token, and it can be staked for rewards.

Figures as of 13 September 2026:

  • Chain and standard: Solana, SPL token under the SPL Token program, six decimals.
  • Mint: HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw, with mint and freeze authorities disabled.
  • Launch: the first liquidity pool for the mint opened on 23 May 2025; the Season 0 airdrop of 5% of total supply was claimable from 26 May to 26 June 2025, on a snapshot taken on 18 May 2025.
  • Supply: 1,733,333,333 HUMA circulating against a 10,000,000,000 maximum.
  • Market cap: about $40.4 million.
  • Holders: 21,982 wallets.

One detail decides how a holders room is built. HUMA also exists as a BEP-20 token on BNB Smart Chain at 0x92516e0DDf1dDBF7FAB1b79CaC26689fDC5ba8e6, and CoinMarketCap lists that contract first while filing the token under its Solana tag. A room gated on the ticker mixes two balances; a room built on the Solana mint admits only wallets holding it.

Where the HUMA community talks today

Huma points people at huma.finance , its documentation at docs.huma.finance, a blog, a Discord server and the humafinance account on X. Huma lists no Telegram group, so Discord carries the public chat.

A Discord server admits anyone with an email address. The usual repair is a verify bot: leave the chat, sign a message on a third-party site, come back with a role. That loop is the shape of the most common wallet-draining scam, and it lands badly on a crowd that keeps real deposits in a lending vault. Roles go stale too: a wallet that sold months ago keeps its holder colour until somebody re-runs the check.

HUMA holders on Cherry

Cherry opened a HUMA Holders room at chat.cherry.fun/@huma on 12 September 2026. Cherry created it and runs it: this is Cherry’s holders room, not Huma Finance’s channel, and Cherry is not affiliated with the HUMA team. Entry is one token balance rule against the Solana mint above, minimum 1 HUMA. It was public with 154 members and no reviews on 13 September 2026.

Every name in that member list passed an on-chain check run by the app. Nobody sends you a verify link, and members are re-checked in the background, so a wallet that sells out is paywalled: it stays a member with message content withheld until a later check passes. A holder can DM any wallet address from the room, including wallets that have never opened Cherry. Type $HUMA in the composer and the message renders a token card with price and market cap, swaps powered by Jupiter. Size goes through OTC escrow in the Cherry mobile app, where a program settles both legs at once. An airdrop campaign can check the same balance before it pays.

A second room can gate the BEP-20 side: Cherry runs token-gated chats across several chains , each rule pinned to its own contract.

How to create a HUMA-gated room

  1. Open chat.cherry.fun and sign in with a Solana wallet: the wallet signs a message, no gas.
  2. Create a public group with a name, description and handle, which gives it a storefront page.
  3. Add an access requirement of the token-balance type and paste the mint HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw. Confirm the symbol resolves to HUMA before you save.
  4. Set the minimum. 1 HUMA admits any holder; a higher one keeps the room to people with something at stake. A group takes up to five rules under all or any logic.
  5. Share the room link. Visitors see the requirement, and whether their own wallet passes it, before they join.

How to create a token-gated group chat is the full walkthrough; reaching token holders covers the rest.

Risks and disclaimers

HUMA sits on a long vesting schedule: about 17% of the maximum supply was circulating on 13 September 2026, and the top holders held about 80% of the supply on 13 September 2026, custody and vesting addresses included. A yield figure from a lending protocol is a rate, never a promise. A balance gate proves a wallet held the minimum when the check ran, and nothing about the person behind it, so impersonation and scam links still need moderators. Group chats on Cherry are not end-to-end encrypted, by design, so moderation and bots can work; DMs are end-to-end encrypted with keys derived from your wallet. Nothing here is financial advice. Tokens can lose value.

FAQ

Is the HUMA Holders room on Cherry run by the Huma Finance team?

No. Cherry created and runs the room at chat.cherry.fun/@huma, and Cherry is not affiliated with the HUMA team. It is a room for holders whose wallets pass the balance check.

Does Huma Finance have an official Telegram group?

As of September 2026 Huma lists a Discord server, a blog and the humafinance account on X, and no Telegram group. Discord carries the public chat, and membership there says nothing about a balance.

Which HUMA does the Cherry gate check?

The Solana mint HUMA1821qVDKta3u2ovmfDQeW2fSQouSKE8fkF44wvGw. Huma also has a BEP-20 contract on BNB Smart Chain, so a room built on a ticker would mix two balances while one built on a mint cannot.

How much HUMA do I need to join the Cherry room?

At least 1 HUMA in the wallet you sign in with. An owner running their own HUMA room can set any minimum.

What happens if I sell my HUMA?

Membership in a gated public group is re-checked on-chain in the background, about every three days per wallet. A wallet that drops below the minimum is paywalled: it stays a member with the room in its chat list, message content is withheld, and a later passing check or the Re-check button restores it.

Sources

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