Huma Finance (HUMA) is at the forefront of creating the inaugural PayFi network, a cutting-edge blend of payment and financing frameworks designed to support real-world, income-based credit on the blockchain.
Moving beyond conventional crypto-backed lending, Huma empowers users to secure loans based on their anticipated income streams—such as paychecks, invoices, or remittances—enabling collateral-free borrowing driven by the Time-Value-of-Money (TVM) principle.
By meticulously evaluating cash flow trends, the protocol provides immediate and secure liquidity, covering 70–90% of projected future earnings through smart contracts.