Allowing individuals and businesses to borrow against future income streams such as salaries, invoices, remittances, or subscription payments without the need for traditional crypto collateral.
How It Works:
Cash Flow Analysis: The protocol assesses your predictable income patterns.
Instant Liquidity: Borrowers receive 70–90% of their future earnings upfront.
Smart Contracts: Funds are disbursed instantly and securely via blockchain technology.
Time-Value-of-Money (TVM): The model leverages the TVM principle, converting future income into present liquidity.
Key Benefits:
No Crypto Collateral Required: Opens access to credit for those without significant crypto holdings.
Global Accessibility: Ideal for freelancers, remote workers, and cross-border sellers.
Backed by Industry Leaders: Supported by partners like Solana, Circle, Stellar, and Galaxy Digital.
In a DeFi ecosystem often reliant on overcollateralization, Huma Finance demonstrates that real-world income can serve as a robust form of collateral, broadening financial inclusion and access to liquidity.
