$HUMA $BTC $ETH *Unlocking the Future of Payment Finance: Huma Finance*

*What is Huma Finance?*

Huma Finance is a PayFi (Payment Financing) network that brings credit-backed financing to the blockchain. By tokenizing invoices and receivables, Huma Finance solves liquidity problems in traditional payments and provides a seamless, real-time payment financing solution. The protocol operates on multiple blockchains, including Solana, Stellar, and EVM-compatible chains, with 12 active lending pools.¹ ²

*Key Features*

- *Income-based collateralization*: Huma Finance allows users to secure credit based on their income, rather than traditional collateral.

- *Decentralized and permissionless*: Huma Finance operates on a decentralized network, enabling permissionless access to credit and lending.

- *Modular ecosystem*: The protocol features a modular design with four main participants: credit issuers, receivables originators, liquidity providers, and borrowers.

- *Smart contract automation*: Huma Finance uses smart contracts to automate underwriting, disbursement, and repayment, reducing reliance on traditional intermediaries.

*How Does Huma Finance Work?*

Huma Finance operates through a series of pools where lending and borrowing activities occur. These pools are governed by the Huma Protocol Core, a set of parameters defining borrower requirements for credit issuance and repayment. The protocol includes Structured Finance Modules that allow pool owners to customize pool parameters, such as repayment schedules, fee structures, and tranche configurations.³

*Benefits and Use Cases*

- *Expands DeFi access*: Huma Finance expands DeFi access without requiring crypto collateral, bridging blockchain and real-world finance.- *Enables automation*: The protocol enables automation through smart contracts, enhancing efficiency and reducing costs.

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