Most DeFi lending relies on over collateralization, which often excludes the people who actually need access to credit. That’s where @Huma Finance 🟣 is taking a bold step forward.
By pioneering the first PayFi network, Huma blends payments with financing to enable on-chain income-based lending. Instead of locking up tokens, borrowers can tap into their future cash flows whether it’s salaries, invoices, or remittances. Using the Time-Value-of-Money (TVM) model, Huma analyzes cash-flow patterns and unlocks 70–90% of expected revenue, delivered securely through smart contracts.
This shift is powerful because it makes credit more inclusive bridging DeFi with real-world finance in a practical way. For freelancers, gig workers and businesses with receivables, PayFi could become the financial backbone that traditional systems haven’t been able to provide.
If DeFi is to move beyond speculation, real-world credit solutions like $HUMA may lead the way. What types of income streams do you think will benefit most from PayFi?
Tell me in comment!