@Huma Finance š£ is building the first PayFi network ā turning paychecks, invoices, and remittances into instant liquidity. No collateral, no waiting. Its Time-Value-of-Money engine values future income and unlocks 70ā90% upfront in stablecoins, with smart contracts handling repayment automatically. From freelancers to small businesses and families on remittances, PayFi opens real-world credit on-chain.