@Huma Finance 🟣 is a decentralized PayFi protocol built on Solana designed to enable real-world payment-based lending and settlement using stablecoins with zero crypto collateral.
Instead of using crypto assets, borrowers use future income streams like invoice, remittance, or payroll as on-chain collateral. This allows you to borrow against future wages, not crypto, but also offer stable income-backed lending which is less risky than token-backed loans.
Huma finance pioneers a novel PayFi model by merging real-world receivables with DeFi's automation and yield. It adresses major global need: access to capital without crypto holdings or traditional collateral, while offering both institutional and retail access. The token model creates aligned incentives for early participation, liquidity provision, and governance involvement!!!
