$HUMA Finance: A New Blueprint for Credit & Payments

Reinventing DeFi with PayFi

Huma Finance is pioneering the shift from traditional, asset-collateralized lending to a cash-flow-driven, income-based lending protocol. By using its PayFi technology, Huma enables borrowing and payments based on real-world income streams—including salaries, freelance invoices, and recurring remittances—rather than locked crypto or overcollateralized assets.

What Is PayFi?

PayFi (Payment + Finance) is the first on-chain protocol to unify decentralized finance and real-world payment systems. With PayFi, users can access 70–90% of their owed but unpaid revenue—such as payroll, invoices, or recurring contracts—immediately. This is calculated through the Time Value of Money (TVM) principle and executed via smart contracts, ensuring transparent and secure access to funds without requiring traditional collateral.

Key PayFi Features:

No crypto collateral: Borrow based on future income, not locked-up tokens or assets.

Smart contract automation: Transparent, programmable lending and settlement.

Instant liquidity: Immediate access to future earnings.

Stablecoin-enabled: Uses USD-pegged stablecoins to remove volatility and enable seamless cross-border payments.