@Huma Finance 🟣 : Revolutionizing Lending with the First PayFi Network
Unlocking Real-World Income for On-Chain Credit
Huma Finance (HUMA) is pioneering the first PayFi network, a groundbreaking approach that blends payment and financing infrastructure to support real-world income and receivables-based credit on-chain. Unlike traditional crypto-backed lending, Huma enables users to borrow against future income streams, such as salaries, invoices, or remittances, facilitating uncollateralized lending powered by the Time-Value-of-Money (TVM) model.
How Huma Finance Works:
Borrowing Against Future Income
Users can borrow against future earnings—whether from salaries, invoices, or remittances—without needing crypto collateral.
Time-Value-of-Money (TVM) Model
The $HUMA token uses the TVM model to calculate and release 70–90% of expected future income instantly through smart contracts.
Smart Lending with Cash Flow Data
The protocol analyzes cash flow patterns to match users with secure, fast liquidity on-chain, ensuring instant access to funds.
Why It Matters:
Integrating Real-World Credit Into DeFi
$HUMA Finance is bridging the gap between traditional finance and DeFi, making lending more accessible and practical by leveraging real-world income instead of crypto collateral.
Expanding Accessibility
With the PayFi network, lending becomes more inclusive, enabling users to access funds based on their actual cash flow, not just assets.