Huma Finance (Permissionless, Institutional) · authority risk 66/100, decent

Can one person move the money in Huma Finance (Permissionless, Institutional) on Solana? The authority score is 66 / 100 (decent): a multisig and a delay, with gaps.

In short. The program upgrade authority is a Squads v4 multisig: 5-of-7 voters out of 9 members, with a 12-hour time lock. This is an upper bound: only the program upgrade path is scored, the in-state admin, mint and config authorities are not traced.

Exposure, not intent. The score counts what the keys could do, not what their holders will do, and says nothing about the odds of a loss. Re-read it yourself with a public RPC and curl: how.

Try a fix: drag the sliders Open the live dashboard re-read from the chain every 6 hours; this page is the snapshot of the build

The five readings

admin key70
multisig100
timelock25
price feed100
shared control100

Composite = 40% admin key + 30% multisig + 30% timelock, rounded. Price feed and shared control are read and shown, not folded in.

To move the money: 5 keys, 12 h to react.

Why this score

The program upgrade authority is a Squads v4 multisig: 5-of-7 voters out of 9 members, with a 12-hour time lock. This is an upper bound: only the program upgrade path is scored, the in-state admin, mint and config authorities are not traced.

5-of-7 voters out of 9 members, composite 66

Pushed on-chain 2026-10-10 (first publication of this target). Scored 70 / 100 / 25. The program's upgrade authority is re-read on every run and must equal the offline vault PDA of the named Squads multisig. Both programs share the upgrade authority.

4 of 6 requirements met

Exit window: a delay with a bypass, or one not ruled out, the time a user has to leave after a harmful change is queued.

If a market used the example policy today (src/ExampleConsumer.sol: revert when stale, 0 under 60, 50% to 80% above): collateral factor 54.50% (score 66). Cheapest path to strong (80): timelock from 25 to 72, that is a confirmed delay before changes apply, every other axis unchanged. This is the smallest step into the next band, not a fix for the weakness: the first requirement not met is A confirmed delay before changes apply, no bypass (changes can apply with no waiting time).

Show this score in your README
[![authority risk: Huma Finance (Permissionless, Institutio](https://img.shields.io/endpoint?url=https%3A%2F%2Fraw.githubusercontent.com%2FRealSpap%2Fauthority-risk-oracle-showcase%2Fwatch-data%2Fbadge%2Fsolana-devnet%2FHumaXepHnjaRCpjYTokxY4UtaJcmx41prQ8cxGmFC5fn.json)](https://realspap.github.io/oracle/p/solana-HumaXepHnjaRCpjYTokxY4UtaJcmx41prQ8cxGmFC5fn.html)

A live badge: the score is read from the published watch files every time the page that shows it loads. Change nothing but your own repository.

Not assessed for this contract: the money behind one key (no money figure, or no key count); the protocol's total value locked (no DefiLlama match).

Program or account: HumaXepHnjaRCpjYTokxY4UtaJcmx41prQ8cxGmFC5fn on the explorer ↗. Score pushed on-chain on 2026-10-13; stale on the oracle when older than 9 days (the watch re-reads it anyway). Read the score yourself: it lives in the account DpxDGp…ZRqB on Solana Devnet (PDA, seeds ["score", target], program 5Vhi…Yh4W): byte 45 is the composite, bytes 46 to 53 the last update; stale once last_updated + Registry.max_staleness_seconds has passed. The target itself lives on mainnet. The score takes the weakest of every full-power authority path (program upgrade authority, config-account admins, reward or fee authorities); a Squads whose threshold is 1 counts as one key, so a site that reads only the upgrade multisig can show a higher number for the same protocol.

Read on 2026-10-15 18:53 UTC, methodology 0x4f8c4019b9c9e75b…. The score reads the authority path (keys, multisigs, timelocks, roles, price feeds); it does not audit the code for bugs, and it measures exposure, not the chance of being hit (see the backtest in the repository). Dispute this score with evidence, or read this page as JSON.

Read live: admin: Squads 5-of-9, 7 can vote of 9 plain keys; delay: 12 h Squads time lock.
Independent read of the admin: a Squads v4 multisig 5-of-9, native time lock 12 h D6GEJYVtQG…raaF via program -> ProgramData TBMC1J… -> upgrade authority (a program-derived address, off the curve: a Squads vault or a protocol PDA, no key can sign for it directly) -> Squads v4 vault 0 of multisig uGLhzjot32i9nNKZKUoCzr7sG8bFAXQRN3uZPTUr7gX, consistent with the published admin-key score. Unchanged since 2026-10-10. 7 of 9 members can vote (8 can initiate, 7 can execute): 5-of-9 members, 7 can vote: effectively 5-of-7. 5 keys collude to act; 3 keys lost and nobody can act. Signers: 9 plain keys. Program last deployed at slot 426862901 on 2026-06-16 (ProgramData; an upgrade moves this slot and the watch says so). No verified build matching the deployed binary (OtterSec: none registered). (scripts/second_opinion.py: a reader that shares nothing with the scorer, re-run every 6 hours)

Follow this contract: Atom feed of its score moves, alerts and queued operations (nothing else).