💱 Stablecoin → HUM Exchange

Current Parity 1 HUM = 2.348 USD
Exchange Fee 0.1%
Settlement Instant

📈 Exchange Formula

Standard conversion path:

USD → HUM → HUC/HUV


Step 1: Convert USD to HUM using current parity
Step 2: Apply 0.1% fee
Step 3: Receive HUC or HUV (1:1 with HUM)

⚠️ Important: Only audited stablecoins accepted. HUM parity updates based on real-time IGHUM data.

🔄 HUC ↔ HUV Conversion

Conversion Rate 1:1 (exact)
Fee 0.1%
Settlement Instant

💡 Tip: Convert HUC to HUV to avoid demurrage and enable staking. Convert HUV to HUC for daily transactions.

💡 HUM vs Traditional Fiat Systems

Aspect 💵 Fiat (USD, EUR, etc.) 🌍 HUM System
Value Foundation Government debt ✅ Human work (verified)
Annual Depreciation 2-5% (inflation guaranteed) ✅ 0% (HUM is fixed)
Measures Social Value ❌ No (only GDP) ✅ Yes (education, health, sustainability)
More liquidity = Less value per unit (inflation) ✅ Unit value unchanged (anchored to work)
Speculation High (forex, derivatives) ✅ Zero (anchored to real data)
Project Financing Government decides ✅ DAO + User governance

🔑 The Critical Difference

Traditional Systems:
Money = Unit of measurement AND medium of exchange

More money in circulation = Less value per unit (inflation)
Based on debt, not production

HUM System:
HUM (unit) ≠ HUC/HUV (medium of exchange)

More HUC/HUV circulating does NOT affect HUM value
HUM anchored to real work, verified by IGHUM

📈 Purchasing Power: HUM vs USD (2020-2024)

HUM maintains purchasing power (100%) while USD depreciates through inflation