Huma @humafinance has already reached a scale of 8 billion, that's pretty impressive.

They're currently running a celebration event, and here's the gist:
Deposit PST, choose the classic mode, no need to lock up, and you can still earn 14%–20% returns.
I tested it myself:
If you only deposit PST without staking HUMA, the return is about 14%
If you deposit 2,200 PST and stake 6,000 HUMA, the return is around 18%
And these returns don't require any lock-up, with 9% paid in USDC and the rest in HUMA.
Even if you choose classic mode and lock for 6 months, the returns are about the same as with no lock-up.
On the other hand, with maxi and a 6-month lock, the expected return is only about 19%. For that little bit extra, you have to lock up for half a year—so honestly, it's really up to personal preference.