Tala Partners with Huma Finance to Launch a Scalable Tokenized Lending Platform

This new move from Tala is a big deal for people who’ve been left out of traditional banking. Tala partners with Huma Finance to launch a lending platform that uses blockchain and tokenization to give underbanked consumers around the world fairer, faster access to credit. In simple terms, Tala launches a scalable tokenized lending platform that lets people borrow money using a system built on crypto technology, but in a way that feels familiar and useful in everyday life.

Tala, the financial infrastructure company focused on building the world’s most accessible financial services, has rolled out a new tokenized lending platform designed specifically for the global underbanked. The platform runs on Solana and uses USDC liquidity provided through the Huma Protocol, thanks to a new collaboration where Tala partners with Huma Finance. With this setup, the platform becomes the first to offer trustless, AI-underwritten consumer lending at true global scale for people who are usually underserved by traditional financial systems.

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For billions of people who don’t have access to formal banking or a traditional credit history, this kind of tokenized lending can be a game changer. Instead of waiting on slow, outdated systems or being denied due to lack of credit history, borrowers can access credit more quickly and reliably. They can get better rates because a global capital network backs the loans, not just a local bank. On top of that, borrowers build a portable digital reputation that they can carry with them, opening more doors in the global economy. Tala’s existing base of nearly 13 million customers across several emerging markets means that this blockchain-powered approach can instantly reach a large number of people who need it.

Shivani Siroya, Tala’s founder and CEO, explained that this launch is the result of years of experience on the ground. “After a decade operating across multiple emerging markets, we know how to translate frontier technologies into real-world financial power,” she said. She added that by combining Tala’s trusted platform with blockchain, and working closely with Huma and Solana, they can widen financial access, cut out deep-rooted inefficiencies, and help millions of people fully join the global digital economy. It’s a simple idea at its core: use powerful technology, but aim it at real human needs.

Behind the scenes, the new lending platform runs on Tala’s own proprietary credit engine, which has been trained on data from 777 billion dollars in lending performance across multiple continents. This is a huge dataset that most banks and many AI systems never see. Because of that, Tala can evaluate borrowers that traditional institutions overlook, especially in emerging markets. The loans are then tokenized and placed into an overcollateralized lending facility. By plugging these tokenized loans into Huma’s liquidity pools, Tala partners with Huma Finance to open up a fresh source of funding for credit in emerging markets. Global capital gets funneled directly into high-demand regions in a way that is transparent, efficient, and easier to scale.

Erbil Karaman, Co-Founder of Huma Finance, highlighted why this partnership stands out. He pointed out that Tala’s team has spent more than a decade scaling strong lending programs while giving financial access to tens of millions of people who need it most. According to him, this collaboration doesn’t just repeat old ideas. Instead, it sets a new standard for overcollateralized, data-driven, fully digital tokenized lending that is liquid from day one. In other words, the loans are not just digital but also easily tradable and manageable from the moment they’re created. He emphasized that together, Tala and Huma Finance are helping to fulfill the original promise of crypto: an open, efficient, global financial system that anyone can access, not just a select few.

Huma Finance plays a key role in making all of this work smoothly. The company focuses on compliant and transparent onchain payments finance infrastructure. It connects high-performance digital assets to more than 100,000 liquidity providers around the world. Its stablecoin-based payments finance protocol offers programmable lending and repayment systems, built-in risk controls, and real-time portfolio tracking. Through the collaboration where Tala partners with Huma Finance to launch a lending platform, Tala’s loan assets will be tokenized, and processes like disbursement and repayment will move onchain. This shift brings clearer transparency, lower operating costs, and easier access to global liquidity.

Because of this launch, Tala is now positioned as one of the biggest global on-ramps to blockchain for people in emerging markets who don’t typically interact with crypto. Tala launches a scalable tokenized lending platform that effectively introduces millions of everyday consumers to the global blockchain ecosystem via their regular financial activities, like taking out and repaying loans. For liquidity providers, these tokenized loans create a new type of real-world asset: loans backed by actual repayment behavior and verified onchain. The tokenization process also means lenders can sell tokens that represent future cash flows, spread or “fractionalize” risk so more investors can participate, and automate key steps using smart contracts. All of this improves transparency, efficiency, and balance sheet management for those providing capital.

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Solana also plays a key role in this ecosystem. Maya Caddle, Payments Lead at the Solana Foundation, explained that Solana’s broader vision is to create “internet capital markets,” where finance is accessible to anyone, anywhere, at scale. She noted that Tala’s choice to bring its credit and payments products onto Solana is a good example of how onchain markets can expand financial services in emerging markets. By choosing Solana as the underlying blockchain, Tala partners with Huma Finance in a way that leverages speed, low fees, and scalability to benefit both borrowers and liquidity providers.

Looking ahead, Tala’s onchain lending model is not limited to just one network. The company plans to extend its onchain lending offering to other networks next year. That will widen the reach of cross-border transactions and unlock more use cases for stablecoins. As this expansion unfolds, Tala partners with Huma Finance to launch a lending platform that could become a backbone for future financial tools across multiple blockchains. In doing so, Tala launches a scalable tokenized lending platform that has the potential to reshape how underbanked communities access and use financial services, connecting them more directly to global markets while keeping things simple and useful at the individual level.

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