The Rise of PayFi: Real-World Finance Comes On-Chain
DeFi has evolved — and @Huma Finance 🟣 is leading the next wave.
Meet PayFi — a revolutionary model where real-world income meets on-chain lending.
Instead of borrowing against crypto, Huma lets users borrow against future income streams like payroll, remittances, or invoices.
✅ No over-collateralization
✅ No volatile crypto dependency
✅ Just real-world cash flow, tokenized.
Their protocol can instantly unlock 70–90% of expected revenue using Time-Value-of-Money (TVM) logic. All handled transparently via smart contracts.
This is what bridging traditional finance and DeFi actually looks like.
