The Tech Behind Huma – Why It Works
Behind the scenes, Huma Finance is built on a powerful idea:
The Time Value of Money — income today is worth more than tomorrow.
Huma applies this concept on-chain, using smart contracts to:
- Assess risk automatically
- Calculate how much capital a user can borrow
- Manage the full lifecycle of lending (origination to repayment)
This system enables uncollateralized loans based on projected earnings—without any manual processes.
It’s efficient, transparent, and scalable
And it brings TradFi precision into DeFi freedom