Erbil-Karaman

Erbil Karaman is the co-founder and co-CEO of Huma Finance, a blockchain-based “PayFi” network focused on real-world asset tokenization and income-backed lending. With a background in fintech and product strategy, he aims to bridge traditional finance with decentralized systems to expand access to credit and liquidity.

Under his leadership, Huma raised $8.3 million in seed funding, merged with Arf for global payment liquidity, and surpassed $4.5 billion in transaction volume. Karaman’s vision centers on making blockchain finance practical, compliant, and scalable for real-world use.