December 10, 2025 – Santa Monica, CA, USA
Tala will deploy $50 million credit facility in USDC to power blockchain-enabled, permissionless lending for millions of global customers.
Tala, the financial infrastructure company building the world’s most accessible financial services, today announced the launch of its tokenized lending platform for the global underbanked.
Powered by Solana and supported with USDC liquidity facilitated by the Huma Protocol through a partnership between Tala and Huma Finance, the new platform is the first to bring trustless, AI-underwritten consumer lending to underserved borrowers at global scale.
For billions of consumers that lack access to traditional banking services and credit history systems, tokenized lending offers faster and more reliable access to credit, better rates through a global capital network and a portable, digital reputation that enables broader participation in the global economy.
Tala’s existing customer base of nearly 13 million across multiple emerging markets creates immediate scale for blockchain adoption.
Shivani Siroya, founder and CEO of Tala, said,
“After a decade operating across multiple emerging markets, we know how to translate frontier technologies into real-world financial power.
“By pairing Tala’s trusted platform with the power of blockchain technology, together with Huma and Solana, we can expand financial access, eliminate systemic inefficiencies and help millions become active participants in the global digital economy.”
The solution is powered by Tala’s proprietary credit engine, which has been trained on $7 billion in lending performance data across multiple continents.
That dataset largely invisible to banks and most AI systems gives Tala the ability to evaluate borrowers who have historically been overlooked by the global financial system.
By tokenizing these loans in an overcollateralized lending facility and connecting them to Huma’s liquidity pools, Tala unlocks a new funding mechanism for emerging market credit, bringing global capital directly to high-demand markets in a transparent and efficient way.
Erbil Karaman, co-founder of Huma Finance, said,
“Tala’s team has over a decade of experience in scaling high performance lending programs while providing financial access to tens of millions of people that need it the most.
“Unlike past attempts in the industry, this partnership sets a new standard for overcollateralized, data-driven, fully-digital, tokenized lending that is liquid from day one.
“Together we are delivering on the promise of crypto an open and efficient global financial system for all.”
Huma Finance specializes in compliant, transparent, onchain payments finance infrastructure, connecting high performance digital assets to more than 100,000 liquidity providers globally.
Huma Finance’s stablecoin-based payments finance protocol offers programmable lending and repayment rails, risk controls and real-time portfolio visibility.
The collaboration with Tala will tokenize loan assets and move key processes such as disbursement and repayment onchain for transparency, lower costs and global liquidity access.
The launch establishes Tala as one of the largest global on-ramps for non-crypto-native users in emerging markets, instantly introducing millions of new consumers to the global blockchain ecosystem through everyday financial activity.
For liquidity providers, tokenized lending introduces a new class of RWAs (real-world assets) backed by real repayment behavior, verified onchain.
Tokenization also allows lenders to sell tokens that represent future cash flows, fractionalize risk to reach more investors and automate key processes through smart contracts, improving transparency, efficiency and balance sheet management.
Maya Caddle, payments lead at Solana Foundation, said,
“Solana’s vision for internet capital markets is to make finance accessible globally and at scale.
“Tala’s decision to bring its credit and payments products to Solana shows how onchain markets can expand access to financial services in emerging markets.”
The company’s onchain lending model will extend to other networks next year, creating an even broader scale for cross-border transactions and stablecoin use cases.
About Tala
Tala is a financial infrastructure company using proprietary data and AI to build some of the world’s most accessible financial services.
Nearly 13 million people have used Tala’s app to access credit and make payments.
With a presence across multiple emerging markets and backed by more than $500 million from leading global investors, Tala is unlocking the economic power of the global majority.
About Huma Finance
Huma Finance is the first PayFi network, accelerating global payments with instant access to stablecoin liquidity.
Processing more than $8 billion in transactions, Huma’s network is transforming how money moves globally.
Users can learn more at huma.finance.
Contact
Makiyah Ruggieri-Vesey, director of communications at Tala
This content is sponsored and should be regarded as promotional material. Opinions and statements expressed herein are those of the author and do not reflect the opinions of The Daily Hodl. The Daily Hodl is not a subsidiary of or owned by any ICOs, blockchain startups or companies that advertise on our platform. Investors should do their due diligence before making any high-risk investments in any ICOs, blockchain startups or cryptocurrencies. Please be advised that your investments are at your own risk, and any losses you may incur are your responsibility.
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