🔥@Huma Finance 🟣 is spearheading a new era in Web3🔥
Lending through its PayFi network, an innovative protocol that lets individuals borrow against real-world future income—like salaries, invoices, and remittances—instead of relying on crypto collateral.
By using the Time-Value-of-Money (TVM) framework, Huma’s protocol assesses forthcoming cash flows and automatically supplies liquidity—typically between 70% and 90% of expected earnings—through smart contracts. This makes borrowing fast, transparent, and accessible instantaneously.
The result is a new lending paradigm tailored for freelancers, gig workers, remote employees, SMEs, and DAO contributors: credit lines grounded in verified income rather than crypto holdings, powered by automated, real-time underwriting and repayments that align with actual incoming cash flows.
In essence, Huma Finance is constructing the world’s first decentralized credit infrastructure that leverages income-backed borrowing, transforming future earnings into usable capital and making on-chain finance inclusive, practical, and tied directly to human productivity.
