Huma Finance is quietly transforming DeFi by allowing users to borrow against future income or invoices, not just crypto collateral. This unlocks real-world financial access for freelancers, gig workers, and small businesses. Built on a Time Value of Money (TVM) model, Huma turns future cash flows into real-time liquidity—settling in seconds. With Huma 2.0 on Solana, users can earn 10.5%+ APY in USDC, boosted up to 17.5× through loyalty rewards. What sets it apart? 50% of borrower fees are used to buy and burn $HUMA tokens, creating deflationary tokenomics. Huma isn’t just DeFi—it’s a bridge between traditional finance and Web3, helping underserved markets access capital with speed, transparency, and on-chain efficiency.
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