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On-chain security analysis — is it a scam or legit?

Is Huma Finance Safe?

HUMASolana
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Last checked Oct 27, 2026 · 1 audit on record
SummaryAI Copilot

The Huma Finance token mint has successfully revoked both mint and freeze authorities, ensuring supply stability and preventing account freezing.

Read the full analysis
What raised the score
  • Liquidity not locked
  • Top-10 concentration > 30%
Exact factors
  • Liquidity NOT locked (100% of the pool; this pool is 72% of DEX liquidity) — withdrawable by the owner/deployer — rug-pull risk
  • Top-10 concentration > 30% (76.5% total → 33.4% effective; 4.7% in EOAs, 71.8% in contracts)

Each factor is an on-chain fact recorded at the time of this analysis. The score is computed from them by a deterministic function, so the same contract returns the same score for anyone who runs the audit. How scores are computed

Security Checklist

as of audit · Oct 275 of 6 checks passed
Contract verifiedVerified
MintNo mint
Liquidity lockNot locked
UpgradeabilityFixed code
HoneypotNone found
Buy / sell tax0% / 0%

Holders

as of audit · Oct 27, 202621,780 holders
71.8%Contracts4.7%Wallets23.5%Everyone else
71.8%Contracts4.7%23.5%Everyone else
ContractsWalletsEveryone elseBubble area = share of supply
76.5%of supply sits with the top 10 holders
  • Contractstreasury, vesting, bridge, staking71.8%
  • Walletsanonymous holders, free to sell4.7%
  • Everyone else21,770 holders23.5%
How holder types affect the score

Solana holder types come from the account itself: a program-derived account (no private key — vaults, vesting, pools) counts as a contract; anything else is a wallet. DEX pools are matched to the token's own pools and left out of the concentration the score reads.

Holder balances as recorded by the audit of Oct 27, 2026

Liquidity

as of audit · Oct 27$911.1K across 13 pairs
LP tokensNot locked

The LP tokens of the analysed pool are not locked or burned, so whoever holds them can withdraw that liquidity.

Analysed pool$659.0KShare of depth72.3%
Top-1 Unlocked Holder100.0%
Top-3 Unlocked100.0%
Unlocked LP held by
6vPq6V…wV8k

A privileged address — the deployer, the owner, or the token contract itself — is among these holders, so that party can withdraw liquidity.

Security Findings

3 High1 Medium5 Info
High

Pool Creator Can Withdraw Liquidity

99.8% of the pool's liquidity is held, unlocked, by the wallet that created the pool (6vPq6V…wV8k). It can remove that liquidity at any moment and leave holders unable to sell.H-01

Issue

99.8% of the pool's liquidity is held, unlocked, by the wallet that created the pool (6vPq6V…wV8k). It can remove that liquidity at any moment and leave holders unable to sell.

Fix

Watch that wallet's liquidity position; treat the pool as removable until the liquidity is burned or locked.

Status

Unresolved

High

Holder Concentration > 70%

The ten largest holders that can sell hold 76.48% of supply. Coordinated sell-off would crash price; single-whale dumps are common in this range.H-02

Issue

The ten largest holders that can sell hold 76.48% of supply. Coordinated sell-off would crash price; single-whale dumps are common in this range.

Fix

Monitor top holder wallet activity for potential large-scale sell pressure.

Status

Unresolved

High

Liquidity withdrawable by the owner/deployer

0.0% of the pool's LP is burned or time-locked. 99.8% is held, unlocked, by the wallet that created this pool (6vPq6V…wV8k) — it can pull that liquidity at any moment. This is the rug-pull path. This assessment covers the main pool, which holds 72% of the token's DEX liquidity; the other pools were not assessed.QA-LIQUIDITY

Issue

0.0% of the pool's LP is burned or time-locked. 99.8% is held, unlocked, by the wallet that created this pool (6vPq6V…wV8k) — it can pull that liquidity at any moment. This is the rug-pull path. This assessment covers the main pool, which holds 72% of the token's DEX liquidity; the other pools were not assessed.

Fix

Check the lock's end date and beneficiary on the locker's own page before relying on it.

Status

Acknowledged

Medium

Mutable Metadata

Token name, symbol, or image can be changed post-launch.M-01

Issue

Token name, symbol, or image can be changed post-launch.

Fix

Verify metadata against off-chain expectations before trusting branding.

Status

Unresolved

Info

Who holds the supply

The ten largest holders own 76.5% of supply. What remains: 4.7% in wallets, 71.8% in other contracts. 21,780 holders in total.QA-HOLDERS

Issue

The ten largest holders own 76.5% of supply. What remains: 4.7% in wallets, 71.8% in other contracts. 21,780 holders in total.

Fix

Watch the largest wallets that are not exchanges, pools or locks — those are the ones that can move the price.

Status

Acknowledged

Info

Identity verified by independent sources

Listed on CoinGecko as Huma Finance (HUMA), market cap $36M, rank #563. 21,780 holders. Verified by: CoinGecko.QA-IDENTITY

Issue

Listed on CoinGecko as Huma Finance (HUMA), market cap $36M, rank #563. 21,780 holders. Verified by: CoinGecko.

Fix

Match the contract address against the project's official channels before trading.

Status

Acknowledged

Info

The market for this token

Liquidity $911K (DexScreener, all pools). 24h trading volume $71.1M (CoinGecko, all markets, daily snapshot). 24h trading volume $498K (DexScreener, all pools).QA-MARKET

Issue

Liquidity $911K (DexScreener, all pools). 24h trading volume $71.1M (CoinGecko, all markets, daily snapshot). 24h trading volume $498K (DexScreener, all pools).

Fix

Size any position to the liquidity and daily volume shown — they set how much you can sell and at what price.

Status

Acknowledged

Info

What the token's controller can do

The contract lets its controller — nobody (ownership renounced) — change the token's name, symbol and image. Ownership is renounced, so nobody can use them now.QA-POWERS

Issue

The contract lets its controller — nobody (ownership renounced) — change the token's name, symbol and image. Ownership is renounced, so nobody can use them now.

Fix

Check who holds these powers and whether a timelock or multisig stands between them and holders.

Status

Acknowledged

Info

Asset class: Project token

A token issued by a project for use, governance or fundraising. Scored on its contract and market facts. The class itself adds no points; the contract and market facts decide the score. Basis: no class-specific evidence. Tokenomics — Supply: fixed — the contract has no mint function. Control: nobody (ownership renounced). Code: not upgradeable (no proxy). Fees: no buy or sell tax. Market: $911K of DEX liquidity across 13 pools. Launch: 519 days of market history.QA-PROFILE

Issue

A token issued by a project for use, governance or fundraising. Scored on its contract and market facts. The class itself adds no points; the contract and market facts decide the score. Basis: no class-specific evidence. Tokenomics — Supply: fixed — the contract has no mint function. Control: nobody (ownership renounced). Code: not upgradeable (no proxy). Fees: no buy or sell tax. Market: $911K of DEX liquidity across 13 pools. Launch: 519 days of market history.

Fix

Check the project's own documentation for what the token is used for; this report covers what the contract allows.

Status

Acknowledged

Analysis

AI Copilotas of audit · Oct 27
Executive SummaryWhat the contract is and what the review found

The Huma Finance token mint has successfully revoked both mint and freeze authorities, ensuring supply stability and preventing account freezing. However, the protocol faces significant economic risks due to 99.8% of liquidity being held in an unlocked wallet by the pool creator and high holder concentration. Third-party registry data indicates concerns regarding metadata mutability and ownership distribution.

Technical8/10Low risk

The token utilizes the standard SPL Token program (v3). 7.1 Architecture and 7.3 Access Control are robust as both mint and freeze authorities are revoked. 7.2 Code Security is inherent to the audited SPL program standard. 7.8 Operations remain stable with no active transfer hooks or custodial delegates.

Governance1/10High risk

7.4 Economic and 7.5 Governance risks are elevated due to high holder concentration, with the top 10 holders controlling 76.48% of the supply. 7.6 External liquidity data shows $653,779 in TVL, but 99.8% of this liquidity is held by the pool creator in an unlocked state. The 433-day pair age provides historical context, but the lack of locked liquidity remains a critical vulnerability.

Upgrades8/10Low risk

7.7 Upgrades are not applicable to the SPL mint logic itself, but 7.8 Operations are impacted by mutable metadata. The token metadata can be modified by the current owner, which may affect branding integrity. No other upgradeable extensions are active.

Final RecommendationWhat to do about this score

Investors should monitor the pool creator's wallet (6vPq6V…wV8k) for any movement of the 99.8% unlocked liquidity.

We recommend that the project team move this liquidity to a time-locked contract or burn the LP tokens to mitigate the risk of a sudden liquidity withdrawal. Additionally, holders should be aware that the metadata is mutable. Verify the token's identity and branding through official channels before interacting with the asset, as the name or symbol could be altered by the current owner.

Contract & Record

1 audit on record
TypeSPL Token v3
NetworkSolana
Token age1y
ContractHUMA18…wvGw
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Audit History
  1. Oct 27, 202640Medium

Score changes are recorded as dated snapshots — history is append-only and cannot be edited.

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