#humafinanse Overview of Huma Finance (HUMA)
+ Huma Finance is pioneering the first PayFi network—a hybrid infrastructure that combines payments and finance to bring income and receivables from the real world onto the blockchain. Unlike traditional crypto-backed lending platforms, Huma enables unsecured loans by allowing users to borrow based on future income streams such as salaries, bills, or remittances.
+ Huma leverages the Time Value of Money (TVM) model to assess the present value of anticipated future cash flows. This enables the protocol to provide instant and safe loans through smart contracts, offering 70–90% liquidity of verified future income.
+ Key Features
Unsecured lending based on future cash flows
Supports real data: salaries, bills, remittances
Automated smart contracts reduce risk and cost
Built on the PayFi model – integrating payments and credit
+ Vision
Huma aims to expand DeFi access for billions of people who may not hold traditional crypto assets but have stable income streams. By unlocking the potential of income-based lending, Huma can tap into a multi-trillion dollar credit market, bridging the gap between traditional finance and decentralized finance (DeFi).
