๐๐ฎ๐ฆ๐ ๐ ๐ข๐ง๐๐ง๐๐ ๐๐ก๐๐ฉ๐ข๐ง๐ ๐ญ๐ก๐ ๐ ๐ฎ๐ญ๐ฎ๐ซ๐ ๐จ๐ ๐๐๐๐ฅ-๐๐จ๐ซ๐ฅ๐ ๐๐๐ ๐ข ๐ฐ๐ข๐ญ๐ก ๐๐๐ฒ๐ ๐ข
@Huma Finance ๐ฃ is pioneering the next wave of decentralized finance with its PayFi network a system built to connect real-world payments directly to on-chain lending.
Unlike traditional crypto lending that relies on heavy collateral, Huma lets users borrow against real income streams such as salaries, invoices, and remittances by analyzing future cash flows and granting instant, smart contractโsecured access to capital.
At the heart of this approach is the Time-Value-of-Money (TVM) model, which bases lending decisions on expected income instead of crypto holdings. Borrowers can unlock 70โ90% liquidity from their future earnings, all in a secure and transparent environment โ making DeFi more accessible, scalable, and inclusive.
The PayFi Stack โ Six Layers of Financial Innovation
Transaction Layer: High-speed, low-cost L1s and L2s for fast, secure transfers.
Currency Layer: Stablecoin and yield-bearing currency support for smooth and compliant payments.
Custody Layer: MPC and smart contract-based systems for safe asset management and instant settlements.
Compliance Layer: Built-in global regulatory compliance with on-chain identity and verification.
Financing Layer: Tokenized assets and real-time risk management to channel capital efficiently.
Application Layer: Developer-ready tools for building intuitive, scalable, and regulation-compliant financial applications.
As traditional finance struggles to keep pace, Huma Finance is laying the groundwork for a future where payments and credit work hand in hand available to anyone, anywhere.
