Huma Finance (HUMA) is redefining DeFi with the launch of the first-ever PayFi network—an innovative blend of payment systems and credit rails built to bring real-world income and receivables onto the blockchain.
Say goodbye to collateral-heavy lending. With Huma, users can unlock capital by borrowing against future income streams—from payroll to invoices to remittance flows. It’s a bold shift from asset-backed loans to earnings-powered financing.
Using the Time-Value-of-Money (TVM) principle, Huma’s protocol evaluates income patterns and cash-flow behavior to provide immediate access to 70–90% of projected earnings. All of it happens securely and autonomously through smart contracts—no middlemen, no friction.
This is where real-world finance meets decentralized technology. A solution designed for today’s economy—liquid, flexible, and inclusive.
DeFi just got a paycheck upgrade. 💸✨