Huma Finance – The First PayFi Network
Beyond Traditional Lending
@Huma Finance 🟣 is pioneering the first PayFi network, blending payment and financing infrastructure directly on-chain. Unlike traditional crypto-backed lending, Huma enables users to borrow against future income streams such as salaries, invoices, or remittances.
Powered by Time-Value-of-Money (TVM)
By applying the Time-Value-of-Money (TVM) model, Huma analyzes real-world cash-flow patterns to offer borrowers 70–90% of their expected future revenue instantly. This creates a secure, uncollateralized lending process that is executed transparently through smart contracts.
Unlocking Real-World Credit On-Chain
With this approach, Huma Finance bridges real-world income with DeFi, transforming the way credit works. Users gain access to liquidity without the need for over-collateralization, making finance more efficient and inclusive.
#HumaFinance Movement
By unlocking receivables-based credit and making it available on-chain, #HumaFinance is leading the next wave of decentralized finance, where future income can be leveraged today to create financial freedom.
