DeFi lending has always been for those with big crypto bags. Need a loan? Lock up ETH or stablecoins. That leaves out workers, small businesses, and families who don’t hold crypto but do have steady income.
@Huma Finance 🟣 flips the script. It’s building the first PayFi network — where future cash flows become collateral.
Salaries, invoices, and remittances can be tokenized
Smart contracts use a Time-Value-of-Money model to underwrite them
Borrowers unlock 70–90% of their expected income instantly
Why it matters
Workers get early access to wages without payday loans
Businesses unlock cash from invoices
Families smooth remittances
Merchants settle instantly instead of waiting days
The HUMA token
Used for governance, incentives, and fees. Big supply, long vesting schedules — good for stability, but unlock dates need attention.
Backing and Risks
Huma raised strong VC support to expand PayFi rails. Execution, adoption, and regulation remain challenges, but if successful, Huma could make DeFi useful for the real economy, not just traders.
👉 Huma is about one thing: turning income streams into on-chain assets.
$HUMA